Brittney Minor
Anna,TX
Summary
Organized and detail-oriented Investigator dedicated to improving efficiency, productivity and profitability through continuous process improvement. Analytical thinker skilled at developing innovative solutions to complex problems. Service-oriented Claims Adjuster skilled at applying creative approaches to solving complex problems. Adept at developing profitable and quality-focused processes. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
10
10
years of professional experience
Work History
Licensed Claims Adjuster
State Farm
07.2023 - Current
- Responsible for effectively managing work through task driven queues while multi-tasking in fast pace call center environment.
- Supporting customers through personalized, caring and simple interactions. Contacting customers by telephone, written correspondence and/or various electronic media.
- Applying knowledge of policies and insurance regulations when determining coverage, liability and damages. Initiating and completed recorded statements outlining facts of loss from insureds, claimants and etc.
- Completing detailed investigations of auto incidents; evaluation of evidence and supporting documents including police reports to make liability determination.
- Negotiate and settling claims for payment. Executing critical thinking and decision-making skills.
- Reviewing auto estimates and photos for location of impact and damages. Setup repairs and rentals.
- Explain in details coverage limits and exclusions to policies. Issue and process payouts. Obtained and maintain Full Adjuster's License.
Closing Underwriter
HomePoint Financial
03.2021 - 11.2022
- Responsible for evaluating all changes made to a loan file between Clear to Close and Closing/Funding. Determined if loan files submitted for credit decisions meet Secondary market and Home Point guidelines and overall risk profile as defined by Home Point.
- Review and validate loan application data and documents received after Clear to close has been issued to ensure all requested changes and docs provided were sufficient.
- If changes were approved, I ensured updates were made to Encompass to reflect said changes, re-ran AUS, and uploaded revised final docs to both Doc Velocity and Originator thread.
- If changes resulted in ineligible findings or did not meet guidelines, I would work with client to obtain approval solution.
- Reviewed, updated, and cleared Prior to Closing/Funding/Purchase conditions at request of Closer.
- Completed Second Level Review of Underwriter approvals and clear to close approvals to ensure that conditioning and rationales were within guidelines and resulted in no salability findings and conditions were cleared to adhere within guidelines.
- Reviewed income, asset and credit docs to ensure accuracy and consistency in support of loan application and validate all docs provided were sufficient and met guidelines of Lenders/Investors.
Underwriter Specialist
HomePoint Financial
07.2020 - 03.2021
- Reviewed and validated loan application data and documents received to clear outstanding conditions.
- Clear and/or reject conditions.
- Calculate income (W2 and Self Employment).
- Reviewed asset statements, title, purchase contract, condo documentation and all relatable docs to determine loan eligibility.
- Ran final AUS findings, Early Check and LQA results and document any updates correcting any fatal errors.
- Ran Final Fraud Guard and addressed all High and Medium Alerts/Risks.
- Communicated updated loan decision to Originator and all applicable parties with updated Conditional loan approval or Clear to Close approval issued. Available to answer any questions to ensure adherence to loan guidelines and requirements per HPF.
Mortgage Underwriter
Stearns Lending LLC
10.2019 - 07.2020
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Worked with processing team members to communicate errors and obtain missing information for current applicants. Monitored and worked pipelines to track and log status of loans.
Senior Processor/Jr. Underwriter
US Bank
04.2015 - 10.2019
- Reviewed all loan applications, income, assets, appraisal, and title documents to adhere to US Bank program identified ensuring all parameters of layover guidelines and investor guidelines were met.
- Responsible for all data entry of accurate and updated information on from borrower names and personal info, credit profile, employment, correct tax and insurance companies and amounts.
- Reviewed and validated supporting docs aligned with application prior to submitting for final underwriting review.
- Point of contact for all borrower updates and communication for any questions or concerns.
- Point of contact for corrections on title, appraisals, verifications of income etc.
- Responsible for working with internal and external clients to ensure everything update and assistance was provided for exemplary customer service and overall stellar experience.
- Ran AUS systems, cleared income and assets, check for quality assurance on all documentation provided.
Technical Support Specialist
Spectrum
03.2014 - 03.2015
- Responsibly managed a team of 15-20 processors and closers.
- Worked on escalation calls and de-escalated customer complaints and concerns.
- Performed 1 on 1 coaching and provided growth plans for performance.
- Created training manuals for pipeline management and ran statistic reports.
- Ran and reviewed pipeline reports of age of loan and loan status.
- Perform QC review of loan submission to address discrepancies and reduce deficiencies.
- Monitored and evaluated time management and quality of loan processing and submission.
- Documented quality issues, performance measures and improvements as part of manager reviews for improvement plans.
- Ability to manage a healthy pipeline by time effectiveness to meet deadlines and work under minimum supervision.
- Responsible for analyzing, validating, and reviewing investor guidelines for credit, income, and assets for loan submissions.
- Effectively pay great attention to accuracy and details to reduce loan errors, potential fraud, and loan deficiencies.
- Trained newly hired processors and provide guidance and work strategies for quality loan submissions.
Education
High School Diploma -
North Technical High School
Florissant, MO05.2003
Skills
- Advanced computer skills
- Risk management
- Underwriting knowledge
- Insurance policy coverage knowledge
- Written Communication
- Policy investigations
Timeline
Licensed Claims Adjuster
State Farm
07.2023 - Current
Closing Underwriter
HomePoint Financial
03.2021 - 11.2022
Underwriter Specialist
HomePoint Financial
07.2020 - 03.2021
Mortgage Underwriter
Stearns Lending LLC
10.2019 - 07.2020
Senior Processor/Jr. Underwriter
US Bank
04.2015 - 10.2019
Technical Support Specialist
Spectrum
03.2014 - 03.2015
High School Diploma -
North Technical High School
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