Alecia Kearns
West Jordan,UT
Summary
Analytical Underwriter known for high productivity and efficient task completion. Possess specialized skills in risk assessment, financial analysis, and regulatory compliance. Excel at critical thinking, decision-making, and problem-solving to evaluate applications accurately and make informed decisions.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Underwriter
Timberline Financial
American Fork, US
07.2023 - 05.2025
- Conducted thorough underwriting verifications for auto loans, including employment, references, residence, income, DTI, and PTI, to approve or deny loans.
- Executed day 6 shut-offs by confirming vehicle device disablement for non-payment within the grace period.
- Managed credit reporting and resolved credit disputes using e-OSCAR to ensure accurate credit information.
FCRA Credit Reporting Analysis
Acima Credit LLC
Draper, US
08.2020 - 07.2023
- Managed credit disputes in e-Oscar, addressing issues with Experian to maintain reporting integrity.
- Handled bankruptcy and fraud dispute cases, maintaining adherence to FCRA standards.
Customer Service Representative
Snap Finance
West Valley City, US
01.2018 - 08.2020
- Managed chat interactions to provide timely assistance with account-related concerns.
Customer Service Representative
Black Turtle Services
Sandy, US
11.2017 - 01.2018
- Guided individuals over the phone to successfully enroll in health insurance plans.
Customer Service Representatives
Focus Services
Ogden, US
07.2017 - 10.2017
- Managed customer interactions via phone to drive sales of CenturyLink and DirecTV products.
Customer Service Representative
Teleperformance
Ogden, US
03.2017 - 05.2017
- Handled customer inquiries via chat, effectively promoting and selling AT&T services.
Customer Service Representative
Alorica
Magna, UT
06.2016 - 12.2016
- Handled customer inquiries and efficiently scheduled Geek Squad appointments for home theater installations.
Concession Stand Worker
Vivint smart home arena
06.2015 - 05.2016
- Prepared and served food items while efficiently managing concession operations at Vivint and Bees stadiums.
Education
High School Diploma -
West High School
Salt Lake City, UT06-2016
Some College (No Degree) - Criminal Justice
Arizona State University
Tempe, AZSkills
- Sales and negotiation
- Customer service and care
- Credit analysis and underwriting
- Data analysis and databases
- Microsoft Office proficiency
- Time management and organization
- Live chat support
- Loan origination and processing
- Communication skills
- Typing and computer skills
- Loan evaluation
- Underwriting calculations
- Policy interpretation
- Underwriting guidelines
- Application review
- Analytical thinking
- Adaptability
- Conflict resolution
- Effective communication
- Team collaboration
- Data verification
- Credit reporting
- Problem solving
- Time management
- Attention to detail
- Customer service
- FCRA compliance
- Loan processing
- Credit risk assessment
- Underwriting analysis
- Quality control
- Analyzing data
- Documentation review
- Building strong relationships
- Managing risk
- Loan approval & denial
Certification
Driver's License
Personal Information
Work Permit: Authorized to work in the US for any employer
Accomplishments
- I got the national leadership honors award from my college
References
References available upon request.
Timeline
Underwriter
Timberline Financial
07.2023 - 05.2025
FCRA Credit Reporting Analysis
Acima Credit LLC
08.2020 - 07.2023
Customer Service Representative
Snap Finance
01.2018 - 08.2020
Customer Service Representative
Black Turtle Services
11.2017 - 01.2018
Customer Service Representatives
Focus Services
07.2017 - 10.2017
Customer Service Representative
Teleperformance
03.2017 - 05.2017
Customer Service Representative
Alorica
06.2016 - 12.2016
Concession Stand Worker
Vivint smart home arena
06.2015 - 05.2016
High School Diploma -
West High School
Some College (No Degree) - Criminal Justice
Arizona State University
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