CHRISTOPHER JAMES
TAMARAC,Florida
Summary
Dynamic Senior Underwriter with a proven track record at Service Finance Company, excelling in risk management and credit analysis. Expertly streamlined underwriting processes, enhancing efficiency and compliance. Adept at mentoring teams and fostering relationships, driving operational excellence while ensuring adherence to underwriting guidelines. Committed to continuous improvement and delivering exceptional results.
Overview
23
23
years of professional experience
Work History
Senior Underwriter
Service Finance Company
06.2016 - Current
- Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Implemented continuous improvement initiatives in the underwriting department, driving operational excellence across the team.
Digital Analyst
American Express
08.2012 - 05.2016
- Processed payments online via chat, to ensure spending for card members.
- Handling of card members dispute, concerns, inquires through channels of online, email or telephone.
- Identify, research, and troubleshoot customers issues, using given resources.
- Define role of social, relevant platforms and amplification in reaching long-term brand and business goals.
- Answering incoming customer calls, emails, online chat and respond accordingly including the ability to prioritize responses.
Management Operation System Analyst /QA Lead
American Express
02.2008 - 08.2012
- Provided technical support for end-users, resolving issues promptly and effectively.
- Managed multiple priority lists and deadlines on time to meet business needs.
- Provided consulted support to supervisors and direct reports in regards to policy and procedures.
- Hosted and participated in bi-weekly call calibration with partner sites to ensure consistency in monitoring across all sites.
- Drive Performance results for teams value-added supplemental coaching through the monitoring process.
- Assisted in resolving quality issues on production floor.
- Assignment of daily task to other team members on monitoring team and resolving disputes.
- Auditing of calls to ensure standard operating procedures are being followed.
Training Coordinator
American Express
01.2006 - 02.2008
- Maintained accurate records of employee participation in training events, tracking progress towards learning objectives.
- Collaborated with department managers to design customized training plans aligned with organizational goals.
- Provided daily feedback to new hires on areas of opportunity.
- Monitored calls daily for new hires to ensure company policies and guidelines are being adhered to.
- Walking the production floor to ensure all on the job questions are being answered.
- Assist with escalation calls and review quality monitors for feedback.
- Research, develop and maintain training materials and curriculum related tasks and information in support of training department.
Risk Management Analyst
American Express
03.2004 - 01.2006
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
- Assisted with minimizing risk exposure by reviewing claim validity and viability against coverage standards.
- Obtain financial documents to support creditworthy but, abusive accounts.
- Identify and reduce losses to the company by eliminating extreme high risk accounts.
- Observing fraudulent patterns and making changes to procedures to better reduce risk.
- Identify opportunities to better improve the overall customer experience without compromising fraud risk.
- Detailed review of financial documents for validity and stability.
Credit Analyst
American Express
02.2002 - 03.2004
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Provided excellent customer service.
- Managed daily inbound and outbound call volumes.
- Set and review credit limits.
- Negotiate collateral requirements and restricting terms when required.
Education
IT Computer Degree - Computers
ITT Technical Institute
Davie, FL01-2004
Skills
- Analyzing data
- Training and mentoring
- Risk evaluations
- Relationship building
- Credit analysis
- Risk management
- Microsoft office
- Underwriting guidelines
- Risk assessments
- Quality assurance
- Portfolio management
- Managing risk
- Client relationship building
Timeline
Senior Underwriter
Service Finance Company
06.2016 - Current
Digital Analyst
American Express
08.2012 - 05.2016
Management Operation System Analyst /QA Lead
American Express
02.2008 - 08.2012
Training Coordinator
American Express
01.2006 - 02.2008
Risk Management Analyst
American Express
03.2004 - 01.2006
Credit Analyst
American Express
02.2002 - 03.2004
IT Computer Degree - Computers
ITT Technical Institute
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