Crystal Hilliard

● Perform needs analysis to obtain information required to make appropriate health insurance product recommendations.

● Respond to customer inquiries regarding health insurance coverage and policies to assist with informed decision-making.
● Build relationships with clients using active listening and issue resolution to meet or exceed expectations and requirements of clients
● Determine client needs and financial situations by listening and scheduling fact-finding appointments.
● Prepare and review insurance applications to verify compliance with regulations.
● Monitor changes in insurance industry to stay compliant with relevant laws and regulations.
● Evaluate competitors' products and services to gain competitive advantage.
● Generate leads through cold-calling, networking and other outreach methods.
● Meet with customers to provide information about available products and policies.
● Utilize organization and communication skills to effectively find policies and process requests.

●Increased annual revenue by 14% and helped company become main competitor in local industry

●Improved loan review audit procedures, reducing branch risk by 11%

●Responsible for timely collection of balances and identifying and resolving root cause of delinquency issues

●Analyze financial statements, credit reports, and information provided by customer to establish and/or approve credit limits for new and existing customers

●Supervise and evaluate staff to help improve skills, achieve daily objectives, and attain advancement

●Reviewed financial information to provide borrowers with timely and accurate information regarding their home and options under applicable government guidelines

●Assessed financial information provided by borrower to determine eligibility under applicable government guidelines

●Responsible for meeting legal requirements and following internal policies

●Analyzed credit, income, compliance, title documents and appraisals during underwriting process

●Produced profitable and efficient solutions

●Reached out to borrowers to discuss status and loan workout options.

● Helped evaluate and solve complex financial problems on delinquent accounts.
● Coached lower performing representatives at branch and helped raise collection performance by 10%.
● Created repayment schedules based on financial circumstances of customers.
● Maintained 15% higher payment rate from account holders than company’s standard.

● Persistently reached out to customers with extremely past due accounts to recover lost revenue

● Complied with fair debt practices and regulatory guidelines and kept current with changing regulations

● Negotiated with account holders to devise repayment plans and minimize collections receivables

● Maintained high volume of calls and met demands of busy and productive group.

● Helped evaluate and solve complex financial problems on delinquent accounts.
● Coached lower performing representatives at branch and helped raise collection performance by 10%.
● Created repayment schedules based on financial circumstances of customers.
● Maintained 15% higher payment rate from account holders than company’s standard.