Cristhian Grillo
Miami,FL
Summary
Analytical professional in the insurance field, known for high productivity and efficiency in task completion. Skilled in risk assessment, policy development, and regulatory compliance. Excel at problem-solving, communication, and decision-making to deliver optimal outcomes.
Overview
15
15
years of professional experience
2010
2010
years of post-secondary education
Work History
Underwriter- Senior Credit Analyst/Key Account Manager
National Auto Lenders
Miami, Fl
01.2017 - Current
- Evaluated loan applications for risk assessment and creditworthiness.
- Analyzed financial documentation to determine eligibility for auto financing.
- Collaborated with sales teams to streamline underwriting processes and improve efficiency.
- Reviewed and interpreted credit reports to inform lending decisions.
- Maintained compliance with regulatory standards in all underwriting activities.
- Communicated directly with applicants to clarify information and resolve discrepancies.
- Developed guidelines for assessing complex loan scenarios effectively.
- Assisted in training new underwriters on company policies and procedures.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Resolved discrepancies between customer documentation and internal records.
- Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
- Participated in regular training sessions regarding updates in relevant laws or regulations.
- Liaised with field, gathering information to base and defend underwriting decisions.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Utilized diverse data tools and processes to analyze, interpret and manage data.
- Ensured timely submission of all documents needed for closing transactions.
- Provided guidance on underwriting procedures to junior staff members.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Prepared reports summarizing analysis results for management review.
- Worked with colleagues to review, accept or deny new and renewal business.
- Maintained accurate records of all transactions handled by the department.
- Recommended adjustments to loan terms or conditions based on individual circumstances.
- Communicated effectively with lenders, brokers and other external partners involved in transactions.
- Performed periodic reviews of existing loans to ensure continued compliance with established policies.
- Worked alongside internal department to cross-sell company's offerings.
- Analyzed client's financial records and statements to assess creditworthiness.
- Prepared and presented reports on loan activities and performance to senior management.
- Evaluated applicant financial status, credit, and property evaluation to determine feasibility of granting loans.
- Managed workload to ensure timely and accurate processing of loan applications.
Insurance Claims Analyst
Seaboard Marine
Miami, FL
05.2016 - 10.2016
- Analyzed insurance claims to determine validity and compliance with company policies.
- Reviewed documentation for accuracy and completeness before processing claims.
- Collaborated with adjusters to gather necessary information for claim evaluations.
- Communicated with clients to clarify details and resolve issues related to claims.
- Processed claim payments accurately using internal software systems for tracking.
- Assisted in training new team members on claims processing procedures and tools.
- Maintained organized records of all claims and communications for auditing purposes.
- Evaluated policy coverage details to ensure proper claim handling and resolution.
- Analyzed customer feedback data to identify areas for improvement in service delivery processes.
- Complied with insurance regulations dictated by local, state and federal agencies.
- Maintained detailed records of all activities associated with the processing of insurance claims.
- Advised clients on how best to minimize their financial risks when filing an insurance claim.
- Conducted periodic audits of completed files to ensure accuracy of data entry and completeness of documentation.
- Evaluated third party service providers used by the company in order to maximize efficiency while minimizing costs.
- Assessed potential liability exposure on each claim and recommended an appropriate course of action.
- Identified inconsistencies in evidence and made appropriate recommendations for further investigation.
- Collaborated with other departments within the organization to resolve discrepancies between reported losses and actual damages incurred.
- Reviewed and analyzed insurance claim documents to determine the validity of claims.
- Responded promptly to customer inquiries regarding status updates on their pending insurance claims.
Administrative Assistant/Procurement Specialist
CG Professional Contractor
Miami, FL
06.2011 - 05.2016
- Managed scheduling and coordination for multiple contractor projects.
- Organized and maintained project documentation and client files.
- Assisted in preparing materials for client meetings and presentations.
- Communicated with vendors to ensure timely delivery of supplies.
- Implemented office procedures to improve workflow efficiency.
- Handled incoming calls and directed inquiries to appropriate personnel.
- Supported team members with administrative tasks as needed.
- Answered phone calls and emails to provide information, resulting in effective business correspondence.
- Entered data into spreadsheets using Microsoft Excel or other similar programs.
- Organized and maintained filing systems for physical and electronic documents, ensuring accuracy and confidentiality of records.
- Handled confidential documents in an organized fashion according to established protocol.
- Maintained office supplies inventory by checking stock to determine inventory level.
- Composed letters, memos, reports, emails, presentations and other written correspondence as required by management staff.
- Provided administrative support to the executive team, including scheduling meetings and managing calendars.
- Answered questions from customers regarding products and services offered by the company.
- Managed database systems containing customer contact information.
- Scheduled appointments between clients and customers and internal staff members.
- Directed customer inquiries to appropriate department personnel.
- Provided product shipment logistical support and quality control by coordinating with vendors, resulting in increased revenue.
- Managed procurement processes for construction materials and services.
- Evaluated vendor proposals to ensure quality and compliance.
- Collaborated with project managers on material requirements and timelines.
- Developed and maintained supplier relationships for consistent supply chain flow.
- Conducted market research to identify potential new suppliers and products.
- Monitored inventory levels to prevent shortages on job sites.
- Prepared procurement reports to track spending and supplier performance.
- Evaluated and researched suppliers and processed orders for purchases through new contracts and competitive bids.
- Reviewed and updated suppliers' information such as contact details, payment terms, and performance ratings.
- Tracked orders and confirmed system lead times, delivery dates and costs.
- Maintained records of purchases, pricing, and other important data in company databases.
Customer Account Executive
Comcast
Miami, FL
04.2010 - 05.2011
- Managed customer accounts and ensured satisfaction through regular communication.
- Facilitated onboarding for new clients and guided them through services offered.
- Collaborated with sales teams to identify and resolve customer needs efficiently.
- Analyzed account data to recommend tailored solutions for clients' challenges.
- Trained junior staff on customer service protocols and account management practices.
- Coordinated with cross-functional teams to streamline service delivery processes.
- Resolved customer inquiries promptly, maintaining a high level of professionalism.
- Developed strong relationships with clients through effective communication skills.
- Maintained accurate records of all customer interactions.
- Delivered fast, knowledgeable service to maintain loyalty and deepen customer relationships.
- Advised clients on best practices related to product usage and maintenance.
- Coordinated logistics associated with delivering goods or services to customers.
Education
Associate of Arts -
Miami Dade College
Miami, FL 05.2012 - 05.2015
Barbara Goleman Senior High
Hialeah, FLSkills
- Risk assessment
- Credit analysis
- Compliance management
- Loan structuring
- Financial documentation
- Customer relationship management
- Data analysis
- Regulatory knowledge
- Problem solving
- Effective communication
- Team leadership
- Loan approval & denial
- Underwriting guidelines
- Quoting and pricing policies
- Creditworthiness assessment
- Trend analysis
- Documentation review
- Excellent communication
- Negotiation skills
- Continuous improvement
Languages
English
Native/ Bilingual
Spanish
Professional
References
References available upon request.
Timeline
Underwriter- Senior Credit Analyst/Key Account Manager
National Auto Lenders
01.2017 - Current
Insurance Claims Analyst
Seaboard Marine
05.2016 - 10.2016
Associate of Arts -
Miami Dade College
05.2012 - 05.2015
Administrative Assistant/Procurement Specialist
CG Professional Contractor
06.2011 - 05.2016
Customer Account Executive
Comcast
04.2010 - 05.2011
Barbara Goleman Senior High