Joi Kowalik
Sterling Heights,MI
Summary
Dynamic leader with extensive experience in default mortgage industry, recognized for driving growth and developing talent. Proven ability to implement changes that enhance operational efficiency. Strong communicator with exceptional organizational skills, focused on achieving team and individual success.
Overview
17
17
years of professional experience
Work History
Reimbursement Claims Supervisor
Flagstar Bank
01.2019 - 04.2025
- Reconciled losses and rebuttal expenses from Mortgage Servicing Rights owners and investors.
- Prepared and submitted comprehensive claims to FHA, VA, USDA, and GSEs for optimal recovery.
- Managed Claims Department operations to ensure timely and accurate claim submissions.
- Delegated tasks to team members while monitoring workflow efficiency.
- Collaborated with senior leadership to establish strategy and set departmental goals.
- Coached and developed team members to achieve peak performance standards.
- Conducted audits for USDA and VA, addressing demands from Fannie Mae.
- Oversaw compliance for seven Mortgage Servicing Rights owners with investor guidelines.
Reimbursement Claims Specialist Lead
Flagstar Bank
03.2015 - 01.2019
- Filed all investor claim types, including FNMA, FHLMC, USDA, VA, and FHA.
- Managed escalated loan pipeline to expedite resolution.
- Recommended and executed audit standards to enhance compliance.
- Created and facilitated training sessions for new team members and investor updates.
- Oversaw multiple investor work queues, ensuring adherence to guidelines with urgency.
- Collaborated with leadership to guarantee timely and accurate claims filing.
- Coordinated FHA audit processes to maintain regulatory standards.
Reimbursement Claims Associate
Quicken Loans
05.2013 - 03.2015
- Managed investor work queues for claims processing, ensuring guideline adherence and urgency.
- Collaborated with leadership to guarantee accurate and timely filing of claims.
- Filed FNMA, FHLMC, and MI claims efficiently to streamline processing.
- Monitored claim reimbursement processes in coordination with MI companies for compliance.
- Executed FHA audits to uphold accuracy and regulatory compliance.
Claims Specialists
Flagstar Bank
03.2008 - 05.2013
- Filed claims for Fannie Mae and Freddie Mac to ensure timely processing.
- Prioritized pipeline tasks to enhance workflow efficiency.
- Collaborated with management team to reduce losses effectively.
- Trained new employees on procedures and best practices.
Education
Some College (No Degree) -
Ferris State University
Big Rapids, MISkills
- Production management
- Effective communication
- Problem solving
- Team development
- Claims auditing and processing
- Collaboration
- Multitasking
- Customer service
Leadership Experience
- Led claims team through difficult challenges during COVID-19 including adjusting to work from home
- Implemented job aids for all claim types spanning multiple investors .
- My team had 97% in QC audit control for 4 years in a row.
- In 2024, we had 434 million in paid claims
Timeline
Reimbursement Claims Supervisor
Flagstar Bank
01.2019 - 04.2025
Reimbursement Claims Specialist Lead
Flagstar Bank
03.2015 - 01.2019
Reimbursement Claims Associate
Quicken Loans
05.2013 - 03.2015
Claims Specialists
Flagstar Bank
03.2008 - 05.2013
Some College (No Degree) -
Ferris State University
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