Amanda Ramirez-Ruiz
Jacksonville,FL
Summary
Seasoned Insurance Adjuster bringing proven skills in negotiating, preparing and finalizing claim agreements. Meticulous, well-organized and decisive field professional skilled at cultivating and deepening productive relationships with superiors , vendors and insurance adjusters . Ready to bring knowledge and abilities to challenging role with potential for long-term career advancement and success.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Property Preservation Specialist
Freedom Mortgage Corporation
11.2021 - Current
- Implemented and enforced policies and procedures to maintain properties to highest standards.
- Reviewed FEMA damage reports and worked tasking to make sure each property reviewed was documented correctly and worked by the given due date.
- Worked closely with vendors to facilitate appropriate inspections.
- Responsible for ordering and managing property inspections and preservation needs for properties serviced by Freedom Mortgage.
- Reviewing bids for property preservation work and property securing as needed.
- Monitor vacant property, damaged property, and bad address reports from preservation vendor.
- Reviewing and applying fee removal to accounts that qualified .
- Maintained daily vendor reports to ensure duplicate inspections are not being ordered and cancelling the duplicate inspection once identified.
- Reviewed occupied properties and completed OIR reporting to ensure property and loan standards are being met.
- Review a variety of vendor portals (photos and work orders) and investigate/assess damage to FHA, VA, FNMA, USDA, FHLMC and Conventional loan properties daily to determine if a claim can be filed on behalf of the mortgagee.
- Ensure hazard claim repairs are done per the insurance scope so any recoverable depreciation can be released. Also make sure property meets HUD standards for conveyance and/or conveyance deadlines are met
- Working with multiple insurance companies on claims filed on behalf of the mortgagee to ensure maximum settlement is received and policies as well as state laws are being followed and maintaining the interest of the mortgagee is considered on each claim filed.
- Rebutting claim denials when insurance invalidly denies coverage and reviewing policy language to confirm validity of each denial received .
- Requesting supplements when vendors cannot repair for proceeds or when an item is missed from the scope/settlement that claim was clearly filed for.
- Always ensuring either applicable settlement is received or valid denial of coverage per policy language is received .
- Referring loans to high risk team when the applicable conditions are met to refer.
- Work tasking daily to monitor pre and post sale properties and ensure conditions are not worsening .
- Communicate closely with the Loss Draft department for settlements received by Freedom Hazard Team and ensure the funds are posted correctly to 5L.
- Maintain constant communication with adjusters via email and phone throughout the claims process to ensure the appropriate deadlines are being met and to ensure all items needed for claim review have been provided.
- Provide coaching and assistance to claim processors on a daily basis.
- Review and respond to client request and ensure all request are addressed timely and meet client expectations.
- Review each hazard claim at completion to ensure all mortgagee claims that have been filed, settled and are documented correctly.
- Document each claim filed in SharePoint and make sure the data inputted into the system is accurate and up to date for reporting .
TEAM LEAD HAZARD CLAIMS
I Property Claims
12.2015 - 11.2021
- Review a variety of vendor portals (photos and work orders) and investigate/assess damage to FHA, VA, FNMA, USDA, FHLMC and Conventional loan properties daily to determine if a claim can be filed on behalf of the mortgagee
- Review client portal to see if claim can be filed based on the default status of the loan on pre and post sale loans
- Review each processors claims (50 claims) )daily and keep a monthly scorecard on performance
- Provide coaching and assistance to claim processors on a daily basis
- Review and respond to client request and ensure all request are addressed timely and meet client expectations
- Review vendors bids and insurance scopes to ensure the carrier is addressing all insurable damages applicable to the date of loss and request supplement fund's as needed
- Ensure hazard claim repairs are done per the insurance scope so any recoverable depreciation can be released
- Also make sure property meets HUD standards for conveyance and/or conveyance deadlines are met
- Review each hazard claim at completion to ensure all mortgagee claims have been filed, settled and documented correctly
- Examine all claim settlements and denials to ensure maximum coverage is received by the mortgagee
- Rebut claim denials that are not valid to mortgagee filed claims and ensure all provisions of the policy are complied with
- Negotiate claim settlements with claim adjusters, claim managers and claim directors daily and recommend litigation when settlement cannot be negotiated
- Analyze all information gathered by investigation, and report findings and recommendations
- Correspond with outside counsel and carriers to correct errors or omissions and to investigate questionable claims
- Prepare report of findings of investigation
- Examine all loan documents to property and act as company agent in transactions with insurance carriers
- Investigate and evaluate claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to ensure the mortgagee receives fair settlement on all claims.
DATA INQUIRY PROCESSOR/ENROLLMENT PROCESSOR/RECEPTIONIST
Art Institute of Jacksonville
11.2013 - 12.2015
- Maintained detailed administrative and procedural processes to improve accuracy and efficiency
- Verified and logged in deadlines for responding to daily inquiries
- Coordinated meetings with financial aide and admissions staff for students
- Updated student accounts and information on a daily basis.
SUPERVISOR
Convergys
10.2006 - 09.2013
- Managed incoming and outgoing calls for the school
- Standardized department filing system to increase efficiency
- Improved communication efficiency as primary liaison between departments, clients and vendors
- Cross-trained and provided back-up for enrollment processing when needed
- Managed quality communication, customer support and school representation for each client
- Verified that information in the computer system was up-to-date and accurate
- Compiled statistical information for special reports
- Verified and logged in deadlines for responding to daily inquiries
- Identified and resolved system and account issues
- Developed and created a more effective filing system to accelerate paperwork processing
- Assisted with taking payments and entered data into the system
- Handled and distributed all incoming and outgoing mail
- Created and maintained computer- and paper-based filing and organization systems for records, reports and documents
- Entered applications and created folders for new students
- Prepared student files to be evaluated for academics
- Processed transcripts as they came in
- Multi-tasked on a daily basis to ensure all needs are met for faculty and staff
- Checked to ensure that appropriate changes were made to resolve customers' problems
- Obtained and examined all relevant information in order to assess validity of complaints and to determine possible causes
- Kept records of customer interactions and transactions, recording details of inquiries, complaints, and comments, as well as actions taken
- Recommended improvements in delivery service, and billing methods and procedures in order to prevent future problems
- Trained 150 agents in the educational program for Dow Jones subscriptions and achieved significant improvements in their productivity
- Contacted customers in order to respond to inquiries and to notify them of improvements in their service
- Resolved customers' service and billing complaints by performing activities such as recommending merchandise, refunding money, and adjusting bills
- Handled customer complaints at a supervisor level and assisted agents with multiple account inquiries to improve performance
- Helped transition new agents into the program to ensure quality performance and product knowledge
- Successfully maintained high quality and performance scores
- Solicited sale of new and additional services and products
- Referred unresolved customer grievances to designated departments for further investigation
- Determined charges for services requested, collected deposits and payments, and arranged for billing
- Completed contract forms, prepared change of address records, and issued service discontinuance orders, using computers
- Served as technical support for the online version of The Wall Street Journal and Barrons Magazine
- Coordinated monthly team luncheons and activities to maintain the morale of the company.
Education
No Degree - All Lines Adjusters License -620 License
FLORIDA COMMUNITY COLLEGE
Jacksonville, FL03.2017
Bachelors - Health Administration
UNIVERSITY OF MARYLAND
01.2020
High School Diploma - undefined
ORANGE PARK HIGH SCHOOL
01.1998
Skills
- Attention to detail
- Microsoft Office proficient
- Results-oriented
- Critical thinker
- Self-directed
- Excellent communication skills
- Ability to multi-task
- Computer-savvy
- Strong problem solver
- Resourceful
- Strong interpersonal skills
- Excellent communication
- Supervisor
- Customer service
- Customer support
620 All Lines Adjuster License #W400040
Certification
- DATA INQUIRY PROCESSOR/ENROLLMENT PROCESSOR/RECEPTIONIST
- Art Institute of Jacksonville, Jacksonville, FL / Nov 2013 - Dec 2015
- 620 All Lines Adjuster License #W400040
References
References available upon request
Timeline
Property Preservation Specialist
Freedom Mortgage Corporation
11.2021 - Current
TEAM LEAD HAZARD CLAIMS
I Property Claims
12.2015 - 11.2021
DATA INQUIRY PROCESSOR/ENROLLMENT PROCESSOR/RECEPTIONIST
Art Institute of Jacksonville
11.2013 - 12.2015
SUPERVISOR
Convergys
10.2006 - 09.2013
No Degree - All Lines Adjusters License -620 License
FLORIDA COMMUNITY COLLEGE
Bachelors - Health Administration
UNIVERSITY OF MARYLAND
High School Diploma - undefined
ORANGE PARK HIGH SCHOOL
- DATA INQUIRY PROCESSOR/ENROLLMENT PROCESSOR/RECEPTIONIST
- Art Institute of Jacksonville, Jacksonville, FL / Nov 2013 - Dec 2015
- 620 All Lines Adjuster License #W400040
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