DEJA LOCKE
Addison,Texas
Summary
Results-driven Commercial Claims Adjuster with a proven track record of high productivity and efficient task completion. Expertise in claims investigation, risk assessment, and negotiation, leading to thorough analysis and fair settlements. Strong communication, problem-solving, and decision-making skills facilitate effective navigation of complex situations.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Commercial Claims Adjuster
Kemper Infinity Insurance
Richardson, TX
02.2025 - Current
- Evaluated commercial claims to determine liability and settlement options.
- Investigated incidents by interviewing witnesses and gathering evidence.
- Documented claim information accurately in claims management system.
- Reviewed invoices submitted by contractors for accuracy before authorizing payment.
- Interacted with clients, attorneys, contractors and other parties involved in a claim process.
- Identified opportunities for improvement within existing processes.
- Researched applicable policies to evaluate the extent of coverage and liability.
- Identified potential fraudulent activity during investigations and reported it as required.
- Drafted detailed reports documenting claim investigation findings, assessments, and resolution recommendations.
Loan Processor
Mr. Cooper
Lewisville, TX
10.2024 - 02.2025
- Utilized effective communication techniques when interacting with customers and colleagues.
- Demonstrated strong problem solving skills in resolving difficult claims issues.
- Negotiated settlements with third-party providers in accordance with state regulations.
- Provided exceptional customer service by promptly responding to inquiries from clients, claimants, and others involved in the process.
- Managed multiple high-volume caseloads simultaneously while meeting tight deadlines.
- Drafted coverage, ROR, and Declination letter.
- Efficiently managed and resolved attorney represented claims in a timely manner.
Claims Adjuster
State Farm Mutual Insurance
Richardson, Texas
03.2024 - 11.2024
- Analyzed, evaluated and processed insurance claims to determine coverage, liability and damages in accordance with policy terms and state regulations.
- Communicated regularly with claimants via phone calls, emails or letters regarding status updates or additional documentation requests.
- Handled difficult conversations professionally while maintaining composure during high-stress situations.
- Adhered to state-specific regulations while processing claims accurately and efficiently.
- Investigated claims thoroughly by conducting interviews from claimants and witnesses; evaluating damages; determining compensability of losses; negotiating settlements; verifying coverage.
- Utilized various computer software programs and databases such as Sales Force, B2B Snapsheet, and Agero to complete claims analysis.
- Payed and processed claims within designated authority level.
- Reviewed and analyzed suspicious and potentially fraudulent insurance claims.
Mortgage Underwriter
Amerihome Mortgage
Remote, US
03.2019 - 07.2021
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Negotiated with lenders to reach mutually satisfactory financial resolutions.
- Utilized knowledge of FNMA/FMHLC principles, policies and procedures to make decisions on risk assessment.
- Made approval and denial recommendations by determining accurate risk levels.
- Evaluated inspection reports to examine the exterior and interior of properties to determine current condition and safety.
- Assessed and advised on loan applications utilizing in-depth underwriting process.
- Resolved complex customer issues in a timely manner while maintaining positive relationships with clients.
- Managed a portfolio of accounts by providing timely support and guidance.
Loan Processor
Amerihome Mortgage
Remote, US
05.2016 - 03.2019
- Processed loan applications, including verifying customer information, preparing documents, and ordering third-party services.
- Utilized strong customer service skills to effectively communicate with customers regarding their loan applications.
- Developed excellent organizational skills to manage multiple tasks simultaneously while meeting tight deadlines.
- Collected required documentation from applicants and followed up on missing items.
- Maintained a high level of customer service while responding promptly to inquiries from customers, loan officers, and underwriters.
- Managed pipeline of 40+ loans - closing approximately 30 loans per month.
Skills
- Regulatory Compliance
- Risk Mitigation
- Strong Negotiation Skills
- Data Collection and Research
- Trend Analysis
- Extremely Organized
- Project Manager
- Debt-To-Income Ratios
- Loan Product Knowledge
- Appointment Coordination
- Salesforce knowledge
- Encompass
Certification
- Texas Adjusters All Lines License
- Florida Adjusters All Lines License
- Louisiana Claim Adjuster Property & Casualty
- Georgia Registration Adjuster Auto/Fire
Timeline
Commercial Claims Adjuster
Kemper Infinity Insurance
02.2025 - Current
Loan Processor
Mr. Cooper
10.2024 - 02.2025
Claims Adjuster
State Farm Mutual Insurance
03.2024 - 11.2024
Mortgage Underwriter
Amerihome Mortgage
03.2019 - 07.2021
Loan Processor
Amerihome Mortgage
05.2016 - 03.2019