Summary
Overview
Work History
Education
Skills
Timeline
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Chad McCollough

Chattanooga,Tennessee

Summary

Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 5 years of experience in loan processing and mortgages.

Overview

19
19
years of professional experience

Work History

Senior Loan Process

Element Home Loans
09.2018 - Current
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Handled any conditions sent from underwriting departments.
  • Evaluated approvals against established bank and government lending standards.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Set up and completed loan submission packages.
  • Utilized loan origination software to process and track loan applications.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.

Field Engineer

UC Synergetics
08.2017 - 09.2018
  • Identified any key changes to project that could affect cost, completion date and customer relationship.
  • Interacted effectively with site engineering team and field staff to coordinate work that complied with design and construction documents.
  • Identified major issues that could arise and provided solutions for these problems.
  • Prepared documentation that would be used in requests for proposal.
  • Served as liaison between site engineering team and field to coordinate work in accordance with design and construction documents.
  • Provided review of design modifications and requests for clarification.
  • Handled all quality control checks the design.

Personal Lines Director

Capital Risk Management Group
10.2010 - 09.2017
  • Perform all account transactions including applications, quotations, proposals, summaries, endorsements, certificates, binders, billing, follow-up and correspondence on assigned accounts
  • Recruited to the company to build an efficient personal lines department within the commercial organization resulting in over 2 million in premium sales within 5 years
  • Thrive in customer relations applied to sales and retention- close ratio of 75%, retention ration 80%
  • Meet renewal retention goals through strong negotiation and communication skills which involve onsite meetings with clients and decision makers
  • Guide clients to a proper insurance protection plans while maintaining a high sales quota-currently average 115% to goal
  • Survey policy coverage’s and identifies cross-selling and upgrading opportunities
  • Specialize in applying a strategy balance between client advocacy and carrier advocacy
  • Train and mentor inexperienced sales teams plus student interns
  • Maintain strong relationship with over 20+ insurance carriers in the state of Tennessee
  • Deep level of knowledge for coverage and endorsements within the personal lines industry
  • Engage in various underwriting and marketing projects to improve overall company results
  • Pass insurance exams and maintain state regulated test to provide clients with accurate direction in insurance plan recommendations
  • Work as team to be recognized as one of the top insurance offices in the market

Personal Lines Sales Representative

State Fram
12.2004 - 10.2010
  • Educated clients on insurance policies and procedures.
  • Analyzed customer needs to provide customized insurance solutions.
  • Met with customers to provide information about available products and policies.
  • Calculated premiums and established payment methods for sales.
  • Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
  • Generated leads through cold-calling, networking and other outreach methods.
  • Collected premiums on or before effective date of coverage.
  • Analyzed risk factors to recommend appropriate coverage levels.
  • Monitored customer feedback and identified areas of improvement.
  • Created sources for continuous client referrals within community and with businesses using extensive networking skills.

Education

Bachelor of Science - Business Management

Jacksonville State University
Jacksonville, AL
05.2007

Skills

  • Customer service
  • Time management
  • Communication skills
  • Responsiveness
  • Conflict resolution
  • Work ethic
  • Relativity
  • Planning

Timeline

Senior Loan Process

Element Home Loans
09.2018 - Current

Field Engineer

UC Synergetics
08.2017 - 09.2018

Personal Lines Director

Capital Risk Management Group
10.2010 - 09.2017

Personal Lines Sales Representative

State Fram
12.2004 - 10.2010

Bachelor of Science - Business Management

Jacksonville State University

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Chad McCollough