Ariel Loyd
Dallas,TX
Summary
Goal-driven, resourceful, and seasoned professional with 10 years of experience and dynamic customer service skills in the mortgage fields. Deeply familiar with setting attainable customer acquisition metrics and performing tasks to meet and exceed a positive result. Effectively able to handle overall relationships with customers by growing adoption and maintaining satisfaction. Execute principles for providing excellent customer
and personal services in determining customer needs while presenting a positive company image. Excel in planning, organizing, implementing, and evaluating information technology operations of the company. Demonstrated ability to handle organization-wide systems and information technology needs
of the company. Well-versed in generating high-quality solutions that enhance the efficiency of business. Acknowledged for unwavering commitment to providing exceptional customer service and professional excellence.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Junior Underwriter
First American - Junior Underwriter
Farmers Branch, TX
01.2021 - 08.2023
- 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.
- Assisted in evaluating and analyzing insurance applications, supporting documents, and underwriting data to assess the risk level and determine the insurability of applicants. ·
- Prepared and maintained accurate underwriting files, records, and documentation, including data entry of applicant information and underwriting decisions.
Loan Processor
Freedom Mortgage Corporation
Plano, TX
09.2019 - 12.2020
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Utilized loan origination software to process and track loan applications.
Insurance Claims Specialist
Solomon Edwards (Pentagon Federal Credit Union)
Dallas, TX
09.2019 - 11.2020
- Worked with claims adjusters and examiners to expedite processing in alignment with procedures.
- Evaluated and settled complex insurance claims in strict timeframes.
- Followed up with customers on unresolved issues.
- Provided advice to customers regarding claims, rights and insurance processes to prevent disputes.
- Conducted full claim investigations and reported updates and legal actions.
Loss Mitigation Underwriter
RoundPoint Mortgage Company
Dallas, TX
06.2016 - 09.2019
- Created and maintained precise and accurate models, charts and reports.
- Assisted in preparation of presentations, data tables and other documents for investor meetings.
- Generated comprehensive reports on portfolio performance and risk assessment.
- Developed financial projections and forecasts to guide investment decisions.
- Helped clients make optimal decisions on amounts and timing of capitalization.
Credit Analyst
Kohl's Corporate
Dallas, TX
10.2014 - 06.2016
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
Education
Bachelor of Science - Business Management
University of Phoenix
Tempe, AZ06.2024
Associate of Science - Business Management
University of Phoenix
Tempe, AZ06.2019
High School Diploma -
Plano East Sr High School
Plano, TX05.2008
Skills
- Decision-making abilities
- Financial analysis proficiency
- Business acumen
- Organizational capabilities
- Team collaboration
- Adaptability
- Risk assessment expertise
- Underwriting principles understanding
- Effective communication
- Critical thinking
- Conflict resolution
- Microsoft Office proficiency
Certification
- Licensed Texas Public Notary Valid until September 2026
Timeline
Junior Underwriter
First American - Junior Underwriter
01.2021 - 08.2023
Loan Processor
Freedom Mortgage Corporation
09.2019 - 12.2020
Insurance Claims Specialist
Solomon Edwards (Pentagon Federal Credit Union)
09.2019 - 11.2020
Loss Mitigation Underwriter
RoundPoint Mortgage Company
06.2016 - 09.2019
Credit Analyst
Kohl's Corporate
10.2014 - 06.2016
Bachelor of Science - Business Management
University of Phoenix
Associate of Science - Business Management
University of Phoenix
High School Diploma -
Plano East Sr High School