Christopher Owens
Dallas,Texas
Summary
Accomplished Claim Specialist and Mortgage Loan Officer with a proven track record at State Farm Insurance, exceeding sales targets by over 50%. Expert in policy interpretation and financial acumen, adept at legal compliance and fostering teamwork. Skilled in utilizing Encompass and demonstrating exceptional research skills, consistently delivering results in high-stakes environments.
Overview
21
21
years of professional experience
2
2
Certification
Work History
Claim Specialist - Weather Catastrophe Services (WCCS Stewardship)
State Farm
Richardson, TX
03.2024 - Current
- Proactively investigating claims, applying coverage from the policy, accurately documenting the claim file, and paying what is owed
- Applying knowledge of policies, and insurance regulations when determining coverage, liability, & damages
- Investigating, evaluating, negotiating, and settling claims
- Effectively managing work through task driven queues while multi-tasking in a fast-paced call center environment
Sr. Mortgage Loan Officer
Colonial National Mortgage
Plano, TX
03.2019 - 04.2022
- Manage and grow loan portfolios by regularly exceeding sales targets by 50-70%
- Meet benchmarks in multiple facets including profitability and credit quality
- Cooperates with support staff and executive management
- Originate FHA, VA, and Conventional loan production in market areas
- Generates revenues more than $2 million monthly
- Consults with clients about their lending needs to help them achieve their financial goals, including the collection and analysis of information about the client’s financial situation
- Schedules and tracks closing dates, contingency dates, and loan lock expirations
Mortgage Specialist
American Airlines Federal Credit Union
Fort Worth, TX
05.2018 - 03.2019
- Provided service that met the Service Standards defined by American Federal Credit Union
- Worked independently and managed a pipeline to ensure deadlines and production goals were met as defined in the individual’s performance appraisal where applicable
- Prepared closing disclosure within timeframes as outlined by TRID regulations, secondary markets and requirements, MI company standards
Mortgage Loan Officer
Capital One
Plano, TX
06.2016 - 08.2017
- Met established productivity levels and turnaround times as set by operations
- Evaluated, authorized, or recommended approval of real estate and credit loans
- Reviewed the HUD-1 for accuracy and compliance, reconcile within the fulfillment system
Mortgage Loan Officer
Nationstar Mortgage
Irving, TX
02.2015 - 01.2016
- NMLS registered and licensed in multiple states
- Regulation knowledge in ECOA (Reg B), TILA (Reg Z), FTC Credit Rules, GLBA, FCRA and FACTA, E-Sign etc
- Sold the benefits of numerous loan products and developed solutions to meet client’s individual needs
- Locked in nearly $5 million within the first 60 days of license renewal
- Maintained a pipeline of 60 plus clients
Mortgage Loan Officer
Ocwen Financial Corp
Coppell, TX
05.2013 - 08.2014
- NMLS registered and fully licensed for the appropriate state of loan originations
- In a high-volume call center, consulted with an average 50 clients per day offering mortgage advice and solutions
- Exceptional customer service provided by maintaining thorough knowledge of lending programs, policies, regulatory requirements and complying with all Federal and State compliance policies
Home Mortgage Consultant
MetLife HomeLoans
Irving, TX
02.2011 - 04.2012
- Analyzed detailed financial and credit data, matched customer needs with an appropriate loan program and level of risk
- Leveraged both external referral business and internal sources for maximum market share penetration
- Understood and complied with mortgage industry regulations, including the Fair Credit Reporting Act, the Real Estate Settlement Procedures Act, Truth-in-Lending laws, etc
Mortgage Loan Consultant
Bank of America
Plano, TX
02.2004 - 04.2010
- Highly proficient with government and conventional loan products which included but not limited to REO Bank of America properties and VA Vendee loans
- Initiated and maintained contact with realtors on repairs for REO properties while also arranging for maintenance and liquidation of delinquent properties
- Worked with underwriters, processors, and managers ensured that all outstanding conditions were satisfied to close/fund loans in a timely manner
Education
Business Management -
Richland College
Dallas, TX01.1997
Marketing -
Collin County Community College
Plano, TX01.1993
Skills
- Encompass
- LSAMS
- DocMagic
- Claims investigation
- Legal compliance
- Financial acumen
- Policy interpretation
- Skilled in [software]
- Claims analysis
- Application review
- Fraud detection
- Data transcription
- Goal setting
- Task prioritization
- Teamwork
- Research skills
- Settlement verification
- ValueTrust
- Lotus Notes
- Outlook
- IOriginate
- EHoudini
- Microsoft Office
- Oasis
- NMLS
- SAP
- Episys Quest
- Cadence PA
- ECOA (Reg B)
- TILA (Reg Z)
- FTC Credit Rules
- GLBA
- FCRA
- FACTA
- E-Sign
- RESPA
- TRID
- OFAC
- HMDA
Certification
- Adjuster - All Lines, LIC. No. 3168137, NPN No: 21044684, 04/30/24- 05/31/26
- General Lines Agent Property and Casualty,LIC. No: 3119988, 01/12/24- 05/31/26
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Claim Specialist - Weather Catastrophe Services (WCCS Stewardship)
State Farm
03.2024 - Current
Sr. Mortgage Loan Officer
Colonial National Mortgage
03.2019 - 04.2022
Mortgage Specialist
American Airlines Federal Credit Union
05.2018 - 03.2019
Mortgage Loan Officer
Capital One
06.2016 - 08.2017
Mortgage Loan Officer
Nationstar Mortgage
02.2015 - 01.2016
Mortgage Loan Officer
Ocwen Financial Corp
05.2013 - 08.2014
Home Mortgage Consultant
MetLife HomeLoans
02.2011 - 04.2012
Mortgage Loan Consultant
Bank of America
02.2004 - 04.2010
Business Management -
Richland College
Marketing -
Collin County Community College
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