Andi Baker
Columbia,MO
Overview
17
17
years of professional experience
Work History
VA Mortgage Underwriter
Veterans United Home Loans
01.2019 - Current
- Maintain the knowledge and skillset to underwrite va mortgage loans with criteria such as: AUS supported, loan amount up to $2 mil, credit and collateral review, proficient in all income types
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Assessed risk levels associated with each loan application based on established criteria.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Issued clear written conditions for approval of mortgage loans.
- Identified potential issues related to title, appraisals, insurance coverage.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Determined loan eligibility and approved or rejected applications.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
Account Manager
Veterans United Home Loans
05.2013 - 06.2019
- Manage a pipeline of 50+ home loans
- Collect the necessary documents to ensure the file progresses smoothly through underwriting and remains on schedule for closing
- Ensure that the home appraisal is scheduled promptly and that it is conducted thoroughly
- Review the title work on the property to ensure that the borrower receives a clean title upon purchasing the home
- Communicate daily with numerous vendors for each file to collect the necessary documents to close the loan.
- Communicate with the loan officer to collaborate and ensure a smooth and high-quality loan process
- Submit the file to obtain the clearance to close the loan
Team Assistant
Veterans United Home Loans
01.2013 - 05.2013
- Contact various homeowners insurance companies to request evidence of insurance.
- Ensuring accuracy in entering information into all computer programs as it is essential for creating uniformity.
- Mail and email disclosures as they are essential daily practices
- Maintain close communication with all Account Managers on the team concerning documents, items in their inbox that need attention, and any other tasks that can be performed to facilitate their work
- Provided administrative support to the team, including scheduling meetings and managing calendars.
Care Coordinator
Missouri Care Health Plan
01.2010 - 01.2013
- Performs intake of calls from members or providers regarding services via telephone and fax
- Responsible for initial review and triage of Care Team tasks, screens patients using targeted intervention business rules and processes to identify needed medical services
- Makes appropriate referrals to medical services staff and coordinates the required services in accordance with the benefit plan
- Identifies triggers for referral into Aetna’s Case Management and Disease Management,
- Promotes communication, both internally and externally, to enhance effectiveness of medical management services (e.g
- Provide support services to team members by answering telephone calls, taking messages, researching information, and assisting in solving problems
- Adhere to compliance with Perinatal Management policies and Regulatory Standards, protect the confidentiality of member information, and adhere to company policies regarding confidentiality
Member Services Representative
Missouri Care Health Plan
01.2008 - 01.2010
- Answering the phone and directing calls using proper phone etiquette
- Answers questions and resolves issues based on phone calls/letters from members, providers, and plan sponsors
- Triages resulting rework to appropriate staff, documents and tracks contacts with members, providers and plan sponsors, explains member's rights and responsibilities in accordance with contract
- Uses applicable system tools and resources to produce quality letters and spreadsheets in response to inquiries received
- Understanding the unique relationship between providers and patients and assisting with complaints/situations as they arise
- Acts as liaison between staff and other areas
- Record grievances and appeals using proper terminology and covering all details accurately according to the source, complete reports for the department and for the State of Missouri in Excel
Education
Bachelor of Science in Business Administration - Human Resource Management
Columbia College
05.2010
Associate of Arts -
Moberly Area Community College
05.2006
High School Diploma -
Hickman High School
05.2004
Skills
- MS Office
- Customer Service Skills
- Medical Terminology
- 10 Key Data Entry
- Multitasking
- Professional Attitude
- Data Interpretation
- Risk Mitigation
- Reliability
- Analytical Thinking
- Customer service-focused
- Adaptability
References
Upon Request
Timeline
VA Mortgage Underwriter
Veterans United Home Loans
01.2019 - Current
Account Manager
Veterans United Home Loans
05.2013 - 06.2019
Team Assistant
Veterans United Home Loans
01.2013 - 05.2013
Care Coordinator
Missouri Care Health Plan
01.2010 - 01.2013
Member Services Representative
Missouri Care Health Plan
01.2008 - 01.2010
Bachelor of Science in Business Administration - Human Resource Management
Columbia College
Associate of Arts -
Moberly Area Community College
High School Diploma -
Hickman High School