Open To Work
ALEXANDRU POP
Assurity Benefits Group
Valdosta,GA
Work Preference
Desired Job Title
Owner of APBenefitsGroupSales AgentAssistant ManagerUnderwriting Auditor, Credit Specialist ISenior Underwriter
Work Type
Full Time
Location Preference
RemoteOn-SiteHybrid
Location:
Valdosta, GA, US
Open to relocation:
No
Important To Me
Career advancementCompany CultureWork from home option
7
years of professional experience
Dedicated finance professional with a bachelor's degree in finance and experience in mortgage underwriting including self-employed, investment, paystub/w2 and VA files Evaluates income/credit/assets/collateral, analyzes risk & offers elite client service while underwriting Full Doc files from start to finish. Alex is an articulate leader and skilled relationship builder who works well both independently and as part of a team, and effectively analyzes loan risk profiles for a plethora of different borrowers while simultaneously searching for fraud and assessing risk and fixing errors.
Work History
Owner of APBenefitsGroup
1 Year 5 Months- Founded and operate a fully independent insurance brokerage specializing in senior market health solutions, managing all aspects of business operations, strategic growth, and regulatory compliance.
- Secured and maintain direct carrier appointments with major national and regional Medicare providers, ensuring a comprehensive portfolio of Medicare Advantage (MA/MAPD), Prescription Drug Plans (PDP), and Medicare Supplement (Medigap) products.
- Oversaw strict adherence to CMS (Centers for Medicare & Medicaid Services) guidelines, ensuring 100% compliance across all marketing materials, client cross-selling protocols, and annual AHIP certification requirements as well as maintaining state licenses.
- Served as a trusted advisor to hundreds of clients, guiding individuals through the complexities of transitioning to Medicare upon turning 65, as well as navigating Special Enrollment Periods (SEPs) and Annual Enrollment Periods (AEP).
Sales Agent
2 Years 6 Months- Informed clients upon reaching the age of 65 on Medicare Plans A & B, additional choices and options to provide comprehensive coverage and help clients avoid common High Cost Mistakes through my advising them well.
- Conducted comprehensive needs-based assessments to match clients with optimal healthcare coverage, balancing budget, doctor networks, and prescription drug formularies.
- Strategically packaged ancillary benefits, successfully protecting clients' holistic health and financial well-being by enrolling them in tailored Dental, Vision, and Hearing (DVH) plans alongside their core medical coverage.
- Achieved a 90% client retention rate through dedicated year-round support, proactive policy reviews during AEP, and resolving complex billing or claims issues on behalf of beneficiaries.
Underwriting Auditor, Credit Specialist I
1 Year- Audited Senior Underwriter's work on loans before being sold to Secondary Market including all Self-Employment Types, Fannie and Freddie Deals, and Lender Specific Deals adding comments to speak upon what was missed, missing, or marked incorrectly by Lender's Senior Underwriter with a QC score of 98%.
- Reviewed Trid and Non-Trid loans prior to 2014 including HUD, GFE, and TIL screens.
- Cleared Validations and marked Exceptions for SitusAMC to send back to the Lender for Final Review of Senior Underwriter's Work on the file.
- Corrected conditions previously marked cleared by underwriter with an explanation sent to the client as to what the underwriter marked vs what the Lender Specific Guidelines approved.
- Adhered to Lender Specific Guidelines per deal Notes on file and left detailed notes as to corrections made on file.
- Underwrote each specific deal to 35% Lender Specific Guidelines and 65% Fannie/Freddie Guidelines.
Senior Underwriter
1 Year- Self-Employed income review types including Pass Through Income and Profit/Loss for 1120S, 1120, & Sch E/Schedule C Earners including Balance Sheet and Liquidity Test if necessary.
- Performed 150% of other team members pipeline by comparison.
- Reviewed all HOI property types including Condo/PUD/SFR/2-4 Unit Dwelling.
- Advanced Level Mastery of Fannie Mae & Freddie Mac Guidelines.
- Basic Understanding of VA IRRRL and VA loan guidelines with 50 VA IRRRLs Approved.
- Rigorous Analysis of all Self-Employment Income including Schedule C, Partnership, 1120S & Corporation Income.
Senior Underwriter
1 Year 2 Months- Assessed risk by reviewing Full Doc files including income, property, assets, credit, collateral & occupancy on both Self-Employed and paystub/W2 files from start to finish averaging 11 days on all closings.
- Quick Turn Around on 65% purchase pipeline while underwriting to secondary market guidelines.
- Reviewed work performed by others and provides recommendations & opportunities for improvement.
- Ability to review all HOI property types including Condo/PUD/SFR/2-4 Unit Dwelling.
- Advanced Level Mastery of Fannie Mae & Freddie Mac Guidelines.
- Examined residential loan documentation to ensure accuracy, completeness, and compliance with appropriate company and secondary market investor standards.
- Rigorous Analysis of all Self-Employment Income including Schedule C, Partnership, 1120S & Corporation Income, Assets, Liabilities, & Collateral.
Assistant Manager
1 Year- Managed a staff of over 30 team members, oversaw performance evaluations of a staff, and increased team workplace environment and productivity by 30%.
- Developed and implemented on promotion and publicity programs showcasing our different new tap selections during Football Season and accurate delivery of products.
- Worked on weekly, monthly, and annual reports to hit target monthly sales as a manager and an organizational unit or company.
- Coached and motivated team, driving sales and delivering exceptional customer service.
- Utilized strong analytical and problem-solving skills to address operational issues.
Education
Bachelor of Business Administration - Finance
Skills
Mortgage Auditing
Mortgage Underwriting
Risk Assessment
Creative Problem Solving
Analytical Skills
Problem-Solving Skills
Fannie and Freddie Guidelines
Fraud Detection
Guideline Adherence
Underwriting
Self-Employment Analysis
Income Analysis
Cross-Team Functionality
HOI Review
Tax Document Analysis
Income/Credit/Assets Review
Auditing
Team Leadership
Knowledge Highlights
- Senior Underwriter Review
- Self-Employment Analysis
- Paystub/W2 Income
- Cross-Team Functionality
- HOI Review types including Condo/PUD/SFR/2-4 Unit Dwelling
- 1120/1120S/Sch C/Sch E
- Fannie/Freddie Guidelines
- Income/credit/assets/collateral liabilities review
- Auditing to Secondary Market & Lender Specific Guidelines
- Ability to lead a team
Timeline
Owner of APBenefitsGroup
Assurity Benefits Group
01.2025 - CurrentRead More
Assistant Manager
Buffalo wild wings
12.2023 - 12.2024Read More
Sales Agent
MSIS Inc.
06.2023 - 12.2025Read More
Underwriting Auditor, Credit Specialist I
Situsamc corporation
10.2021 - 10.2022Read More
Senior Underwriter
Amerisave mortgage corporation
10.2020 - 10.2021Read More
Senior Underwriter
United Wholesale Mortgage (UWM)
08.2019 - 10.2020Read More
University of Michigan
Bachelor of Business Administration from Finance
Read More