Ebony Hills
Las Vegas,NV
Summary
Analytical Underwriter with several years of experience in Banking/Finance, and Mortgage Industry. Gifted in evaluating risk and loss potential. Team-oriented with success in building relationships to achieve business goals.
Overview
12
12
years of professional experience
Work History
Underwriter/Processor
Low VA Rates
Las Vegas, Nevada
01.2019 - Current
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Exceeded goals through effective task prioritization and great work ethic.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Looked over and approved various types of loans.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Checked packages for appropriate documentation.
- Provided quick turnaround times to maintain fast-past schedule.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Set up and completed loan submission packages.
Underwriter/Consumer Loan Specialist
One Main Financial
Las Vegas, Nevada
01.2016 - 01.2019
- Developed new relationships and business.
- Working with customers from their initial evaluation to close and keeping in touch with them throughout the loan process and sales cycle.
- Communicated with customers and offered them financial solutions that met their goals.
- Experience with credit underwriting and sales tools.
- Educated customers on the terms and conditions of their loan to ensure clear understanding.
- Managed collection activities on a daily base.
- Offered insurance coverage on their loan that covered death, illness or unemployment, as well as a Motor Club plan.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Advised clients on mortgage, education and personal loans.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Recommended loan approvals and denials based on customer loan application reviews.
Retention Representative
Cox Communications
Las Vegas, Nevada
01.2014 - 01.2016
- Receive inbound retention calls from current customers, for sales and revenue generation, in a high-intensity call center environment.
- Utilize proactive persuasive/retention skills to turn requests for disconnection or downgrade into sales and save opportunities by identifying customer needs.
- Achieve monthly key performance metrics, call and order entry productivity standards, and call quality performance through utilization of persuasive skills, defined call flow structure, and adherence to provided schedule.
- Educate customers on active product features, service offerings, billing, charges, and product value.
- Understand and promote current marketing campaigns in order to sell to or save customers accurately and effectively.
- Increase revenue through up-selling and cross-selling video, HSI, wireless, and telephony services to existing customers.
- Research and review competitive pricing and service offerings in order to provide competitive price and product comparisons based on customer needs.
- Responsible for utilizing multiple customer databases to access, change or input account information for customers.
- Provide outstanding customer service, troubleshoot and resolve service and minor technical problems for customers by asking appropriate questions.
- Complete installation, disconnect, transfer and seasonal downgrade orders and update customer accounts utilizing customer record database.
Client Services, Customer Service Representative
Ameriprise Financial
Las Vegas, Nevada
01.2011 - 12.2013
- Assisted customers with all banking and investment needs and transactions while providing excellent customer service.
- Analytical and reporting experience and knowledge of work processes including forecasting, scheduling and daily management.
- Successfully sold and up-sold customers on a variety of financial products and services Provided data entry input of all pertinent documentation for future retrieval purposes.
- Assisted with both organizing and coordinating teams' call center meetings.
- Servicing several departments as a liaison and assisting with all customer service needs.
- Lead LEAN project to create call notation software resulting in better call quality and reduction of hold time.
- Organized team meetings to discuss business stats.
- Extensive use of customer service skills and a significant degree of decision-making authority.
- Handles single and multi-party claims processing.
- Exceeded call center metrics over 90% of the time in Average Handle time, Upselling, and Schedule Adherence.
- Performs varying degrees of clerical and general office functions, from intermediate to fairly sophisticated, which require typing skills and the use of office equipment, personal computers, and business software systems.
Education
Bachelor's Degree - Business Administration
FAULKNER UNIVERSITY Mobile
Skills
- Loss Protection
- Risk management
- Time management
- Quality assurance
- Data analysis
- Multitasking Abilities
- Written Communication
- Interpersonal Communication
- Relationship building
Timeline
Underwriter/Processor
Low VA Rates
01.2019 - Current
Underwriter/Consumer Loan Specialist
One Main Financial
01.2016 - 01.2019
Retention Representative
Cox Communications
01.2014 - 01.2016
Client Services, Customer Service Representative
Ameriprise Financial
01.2011 - 12.2013
Bachelor's Degree - Business Administration
FAULKNER UNIVERSITY Mobile
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