Summary
Overview
Work History
Education
Skills
Timeline
Generic

Chhaya Kumari

Irving,TX

Summary

Seasoned financial professional with expertise in collections, customer service, loss mitigation, single point of contact, and document processing. Extensive understanding of escrow processes, escrow analysis, payment histories, billing, and 1098 statements. In-depth knowledge of cross-collateralized servicing, lien release, and property preservation, including code violation resolution and hazard claim management. Strong analytical and resolution skills with excellent attention to detail and sound judgment. Proven ability to multi-task, meet deadlines, and stay organized in high-pressure environments. Exceptional verbal and written communication skills with experience advising clients over telephone, email, and other platforms. Proficient in mortgage underwriting, compliance, regulations, and policies. Advanced proficiency in MS Office Suite (Word, PowerPoint, Excel, Outlook). Highly skilled in handling multiple simultaneous projects and maintaining customer satisfaction.

Professional claims specialist with strong record in handling and resolving complex claims efficiently. Adept at analyzing data, identifying discrepancies, and providing solutions that drive positive outcomes. Effective team collaborator with focus on achieving results and adapting to evolving requirements. Skilled in negotiation, customer service, and regulatory compliance, consistently ensuring accuracy and fairness.

Overview

6
6
years of professional experience

Work History

Claims Specialist

State Farm
10.2024 - Current
  • Investigate and evaluate property claims, reviewing policy details and assessing damages to determine coverage, ensuring accurate and timely claim payments while adhering to policies and regulations.
  • Handle all phases of the claims process, from initial intake to final payout, acting as a liaison between the insured, insurer, and other parties.
  • Communicate with policyholders, agents, and contractors to gather information and provide claim status updates.
  • Negotiate and settle claims in accordance with State Farm guidelines and state regulations, ensuring timely resolution and customer satisfaction.
  • Adhere to company policies, legal regulations, and industry standards related to claims processing.

Special Loan Advisor

Selene Finance
03.2024 - 09.2024
  • Managed a portfolio of Business Purpose Loans (BPLs), providing optimal support to customers regarding loan servicing inquiries.
  • Cultivated customer relationships, offering advisory support tailored to business needs.
  • Handled inbound/outbound calls and provided email/text support to clients, attorneys, and other authorized parties.
  • Conducted administrative and operational tasks, including analyzing requests and preparing documentation.
  • Generated reports and analyzed data to inform strategic initiatives for customer satisfaction.
  • Ensured compliance with company policies, investor requirements, and production goals.
  • Researched and resolved transactional inquiries related to payments, taxes, and insurance on single and multi-collateral loans.
  • Collaborated with internal departments to resolve escrow, payment posting, and ACH issues, delivering results to stakeholders.

Loss Mitigation Specialist

BSI Financial Services
01.2023 - 12.2023
  • Counseled customers on delinquent accounts, securing payments and payment arrangements while maintaining accurate records.
  • Assisted customers with programs such as reinstatement, payment plans, short sales, and modifications to avoid foreclosure.
  • Coordinated with internal departments to gather supporting documentation, account corrections, and reimbursements.
  • Evaluated borrower hardship, assets, income, and expenses to configure repayment plans and forbearance terms.
  • Reviewed servicing notes to ensure compliance with court orders and service agreements.
  • Met lead referral rates and monthly scorecard goals set by management.
  • Provided written responses to customer complaints and inquiries, ensuring resolution within investor and court timelines.

Loss Mitigation/Account Resolution Specialist

Flagstar Bank
07.2019 - 09.2022
  • Assisted borrowers with delinquent mortgage accounts by gathering financial information and counseling them on loss mitigation options.
  • Reviewed and processed mortgage modification requests, performing in-depth credit analysis and income assessment.
  • Evaluated financial statements, credit reports, and debt ratios to ensure compliance with bank guidelines.
  • Verified conditions of loan approval, including customer income and asset documentation.
  • Managed a pipeline of 100+ clients monthly, qualifying them for loan programs using Mortgage Servicing and Excel tools.
  • Prepared formal reports for review, ensuring documentation adhered to company and industry standards.
  • Conducted telephonic mediation with attorneys, mediators, and borrowers to resolve defaulted mortgages and avoid foreclosure.

Education

Bachelor of Science -

Texas A&M University
College Station, TX

Skills

  • Software Tools: Mortgage Serve, AS400, Home Saver, Excel
  • Technical Proficiency: Advanced MS Office Suite (Word, PowerPoint, Excel, Outlook)
  • Languages: Fluent in Hindi and English

Timeline

Claims Specialist

State Farm
10.2024 - Current

Special Loan Advisor

Selene Finance
03.2024 - 09.2024

Loss Mitigation Specialist

BSI Financial Services
01.2023 - 12.2023

Loss Mitigation/Account Resolution Specialist

Flagstar Bank
07.2019 - 09.2022

Bachelor of Science -

Texas A&M University
Chhaya Kumari