Alicia Cousin
Arlington,TX
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
10
10
years of professional experience
Work History
Claims Specialist HCCS Stewardship
State Farm Insurance Inc
07.2023 - Current
- Resolve large volumes of claims in an in-office environment through investigation, evaluation, negotiation, verification of coverage, legal liability, and extent of damage to property.
- Examines claims submitted by insureds and/or third parties, to such claims referred from other claim units to determine whether additional or specialized investigation is necessary for claim resolution.
- Handles claims that may require collaboration/coordination of physical inspections with other claim handlers.
- Prepared and/or reviews property estimates and contents estimates in loss settlements.
- Assists agents in claims res
Closing Underwriter
Home Point Financial
11.2020 - 11.2022
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Determined and documented loan conditions and communicated requirements and decisions.
Junior Underwriter
Home Point Financial
06.2020 - 11.2020
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Sr. Loan Default Specialist
Mr. Cooper Mortgage
10.2019 - 05.2020
- Perform forensic underwriting review of closed mortgage loan files for compliance with applicable State and federal laws and adherence to specific lender guidelines with an emphasis on buy-back/put- back possibilities.
- Prepare and file all FHA, VA, PMI, and investor claims timely and accurately according to investor/insurer/CMS guidelines and requirements.
- Oversaw resolving disagreements and negotiating mutually beneficial agreements between parties. Document all servicing, action taken, delays, follow-up, and phone conversations in the system notes.
- Back Up Conventional UW
Sr. Quality Control Analyst
Caliber Home Loans
03.2015 - 10.2019
- Responsible for performing Pre- and Post-Funding audits to determine whether approved pre-fund or closed loans have been underwritten in compliance with Caliber underwriting, investor guidelines for Caliber Correspondent, Retail, Wholesale and Consumer Direct loans for FHA/VA (including review of appraisal and issuance of NOV, verifying SCRA docs and Conditional Commitments), FNMA/FHLMC/GNMA.
- Communicating deficiencies to the Underwriting Group and confirming that corrective action has been taken.
- Conducting compliance reviews. Verifying TRID, QM & Reg-Z rules were followed.
- Completed Adverse Action and government insuring audits.
Forensic Underwriter
Recovco Mortgage
07.2013 - 03.2015
- Perform forensic underwriting review of closed mortgage loans and making appropriate and intelligent decisions regarding deficiencies identified during the review of mortgage to ensure compliance with company, industry, and federal guidelines in regard to the collateral, loan application, credit, income, DTI ratios, assets, loan values/ratios and appraisals. Identifying transaction components which indicated underwriting deficiencies, misrepresentation and proving rebuttal responses.
Education
High School Diploma -
Soldan High School
Saint Louis, MOSaint Louis Community College
St Louis, MOSkills
- MS Office
- Regulatory Compliance
- Communication Skills
- Sound judgement financial services
- Excellent critical and analytical thinking
- Encompass
- Fair Lending Compliance
- Problem Solving
- Leadership
- Encompass
- Calyx Point
- Aces
- ECS
- Xactimate/Xactcontents
Timeline
Claims Specialist HCCS Stewardship
State Farm Insurance Inc
07.2023 - Current
Closing Underwriter
Home Point Financial
11.2020 - 11.2022
Junior Underwriter
Home Point Financial
06.2020 - 11.2020
Sr. Loan Default Specialist
Mr. Cooper Mortgage
10.2019 - 05.2020
Sr. Quality Control Analyst
Caliber Home Loans
03.2015 - 10.2019
Forensic Underwriter
Recovco Mortgage
07.2013 - 03.2015
High School Diploma -
Soldan High School
Saint Louis Community College