Alicia Allen Sephus
Royse City
Summary
Developed skills in financial analysis, risk assessment, and regulatory compliance within high-paced financial services environment. Looking to transition into new field, leveraging strong analytical and decision-making abilities. Prepared to bring detail-focused and results-driven approach to new and challenging role.
Claims professional who values precision and efficiency in claims evaluation and resolution. Proven track record of managing high caseloads and settling claims accurately in compliance with company standards. Known for strong collaboration with team members and adaptability to changing needs, ensuring reliable performance and positive results.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Navy Federal Credit Union
11.2021 - Current
- Ensured adherence to quality standards and regulatory requirements in loan processing, facilitating the advancement of loan applications within prescribed approval limits
- Developed initial payment plans and restructured repayment schedules for delinquent loans, improving account status and customer financial stability
- Evaluated risk and profitability for individual policies, contributing to the maintenance of a balanced company portfolio through meticulous underwriting reviews
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Underwriter II
Cardinal Financial Company
08.2020 - 03.2021
- Evaluated applicants' credit and account records to assess risk, ensuring adherence to quality standards and financial regulations
- Formulated initial payment and recovery plans for delinquent loans, contributing to portfolio health
- Analyzed and determined underwriting decisions for new and resubmitted loan applications, aligning with organizational risk management objectives
Mortgage Underwriter
Apex / Huntington National Bank
06.2020 - 11.2020
- Evaluated loan applications, assessing applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
- Maintained compliance with regulatory standards and internal quality guidelines during the loan approval process
- Analyzed repayment schedules and formulated payment plans for delinquent loans, contributing to a balanced risk and profit portfolio
Dispatcher
ADT Security
11.2019 - 06.2020
- Managed the scheduling and dispatching of service crews, ensuring efficient handling of work orders and timely resolution of customer service needs
- Coordinated with field personnel to maintain real-time location knowledge, contributing to effective support and swift response to alarm activations
- Maintained oversight of travel safety and security for field employees, including coordinating with emergency services when required
Remote Customer Support Agent
Pier1 Imports
08.2018 - 08.2019
- Enhanced customer satisfaction by offering tailored recommendations for additional products, contributing to increased sales through effective upselling and cross-selling techniques
- Delivered exceptional customer support by efficiently handling order placements, issue resolution, and processing returns and refunds, maintaining high service standards with accurate and comprehensive assistance
Claim Associate Total Loss Rep
Statefarm Insurance
01.2013 - 04.2018
- Assessed and processed auto total loss claims, ensuring the application of technical expertise and interpersonal skills to achieve fair and efficient resolutions, contributing to a lower loss ratio
- Verified claim validity and adherence to settlement guidelines, analyzing data and coordinating with relevant parties to establish liability and claim value
- Conducted thorough evaluations of damaged property, determining repair feasibility and market value pre-accident, and established appropriate salvage valuations for total-loss vehicles
- Managed a high volume of claims efficiently by prioritizing tasks in a fast-paced environment.
- Followed up with customers on unresolved issues.
- Collaborated with adjusters and underwriters to verify coverage details, ensuring accurate claim settlements.
- Streamlined the claims process for faster resolution, utilizing strong organizational skills and attention to detail.
- Established rapport with clients through empathetic communication skills while managing sensitive information during claim evaluation processes.
- Improved claim processing efficiency by meticulously reviewing and analyzing insurance claims.
Education
Associate - Accounting
Eastfield College
Mesquite, TX07-2025
Skills
- Claims Processing
- Analysis Skills
- MS Word
- Fair Housing Regulations
- Credit Analysis
- MS Office
- CPT Coding
- Insurance Verification
- Icd10
- Operating Systems
- Windows95
- Loan Processing
- Call Center Procedures
- Typing45wpm
- Customer Complaint Resolution
- Critical thinking
- Claims investigation
- Active listening
- Highly motivated
- Team collaboration
Certification
Driver's License
Timeline
Mortgage Underwriter
Navy Federal Credit Union
11.2021 - Current
Underwriter II
Cardinal Financial Company
08.2020 - 03.2021
Mortgage Underwriter
Apex / Huntington National Bank
06.2020 - 11.2020
Dispatcher
ADT Security
11.2019 - 06.2020
Remote Customer Support Agent
Pier1 Imports
08.2018 - 08.2019
Claim Associate Total Loss Rep
Statefarm Insurance
01.2013 - 04.2018
Associate - Accounting
Eastfield College