Kathleen Crowell
Greenland
Summary
Dynamic Claim Examiner with extensive experience at Sedgwick, adept at analyzing complex claims and ensuring compliance with regulations. Proven track record in negotiating settlements and managing action plans. Strong decision-making and detail orientation skills, complemented by expertise in regulatory compliance and loan underwriting processes. Recognized for maintaining professional client relationships.
Overview
22
22
years of professional experience
Work History
Claim Examiner
Sedgwick
01.2023 - Current
- Analyzes, adjudicates, and resolves complex claims to determine benefits and ensure compliance with state laws and client standards.
- Key responsibilities include investigating claim details, managing the claims process through action plans, negotiating settlements, assigning reserves, authorizing payments, and maintaining communication with claimants, clients, and state agencies.
- Analyze mid- and higher-level workers compensation claims to determine benefits due; to ensure ongoing adjudication of claims within company standards and industry best practices; and to identify subrogation of claims and negotiate settlements.
- Manages workers compensation claims determining compensability and benefits due on long term indemnity claims, monitors reserve accuracy, and files necessary documentation with state agency.
- Develops and manages workers compensation claims' action plans to resolution, coordinates return-to-work efforts, and approves claim payments.
- Approves and processes assigned claims, determines benefits due, and manages action plan pursuant to the claim or client contract.
- Manages subrogation of claims and negotiates settlements.
- Communicates claim action with claimant and client.
- Ensures claim files are properly documented and claims coding is correct.
- May process complex lifetime medical and/or defined period medical claims which include state and physician filings and decisions on appropriate treatments recommended by utilization review.
- Maintains professional client relationships.
Senior Government Underwriter Loan Officer NMLS 1948236
Northpoint Mortgage
Bedford
08.2016 - 09.2022
- Responsible for the underwriting of FHA, VA, Fannie Mae, Freddie Mac, USDA, NH, MA, ME, CT, RI, FL State Housing, private investors loans, and manual loans.
- FHA Direct Endorsement with current active CHUMS.
- Analyze income, assess the borrower's ability and willingness to repay the mortgage debt and approve appraisals to ensure the property being offered as security for the mortgage is acceptable, work with Loan Originators to restructure loans into a salable package.
- Strong verbal and writing communication skills, including ability to effectively interact with all internal departments, Self-starter, and team player.
Mortgage Underwriter Compliance Auditor
SunTrust Mortgage
09.2011 - 01.2015
- Performed prefunding loan analysis to ensure loan documents, the origination, underwriting and funding of loans were in accordance with company policies and procedures and state and federal regulations.
- Determined if the underwriter correctly calculated and conditioned loan.
- Document findings to provide management with an accurate and detailed picture of the issue.
- Provide input for decision-making to identify the root cause of problems identified within the audit.
- Reviewed appraisal and title work.
- Identify potential fraud and/or misrepresentation on all interested parties to the transaction.
- Remain current with regulation changes from government/state agencies, as well as policy changes from Agencies and Investors and company Policies and Procedures.
B2B Business Development Manager - President's Club Award Winner
First Magnus, LLC
Manchester
01.2008 - 01.2010
- Build and maintain long-term relationships with Mortgage Brokers being the go-to resource for guidance and solutions, problem solver to keep loans moving forward.
- Effectively communicate current guidelines and regulatory updates.
- Maintain a strong pipeline by generating leads through prospecting, cold-calling, social media post, on-site visits, conference attendance, etc.
B2B Business Account Executive Manager- President's Club Award Winner
Broad Street Mortgage Co.
01.2004 - 01.2008
- Identify prospective clients, including qualified financial institutions and banking partners, mortgage brokers, commercial brokers, and real estate investors.
- Evaluate whether clients qualify under the company's guidelines and assist them in becoming an approved partner.
- Maintain and grow a loan pipeline by working as a liaison between broker and operations.
- Assist brokers with loan scenarios and training.
- Represent Broad Street in a professional manner at tradeshows, conferences, and other company events.
- Extensive understanding of conventional, FHA, VA, USDA and Alt A loan products.
Education
BS - Business Economics
University of New Hampshire
Durham, NH01.1990
Skills
- Microsoft Word
- Outlook
- Working knowledge of regulations
- Encompass software
- Ability to work in a team environment
- Ability to meet or exceed Service Expectations
- FHA loan guidelines
- Compliance auditing
- Regulatory compliance
- Loan origination processes
- Detail orientation
- Strong decision-making
- Asset verification methods
- Appraisal review expertise
- Loan underwriting expertise
- Financial analysis proficiency
- Fraud detection
- Income evaluation
- Debt restructuring
- FNMA guidelines
- Credit report interpretation
- Tax return analysis
- Underwriting guidelines
Timeline
Claim Examiner
Sedgwick
01.2023 - Current
Senior Government Underwriter Loan Officer NMLS 1948236
Northpoint Mortgage
08.2016 - 09.2022
Mortgage Underwriter Compliance Auditor
SunTrust Mortgage
09.2011 - 01.2015
B2B Business Development Manager - President's Club Award Winner
First Magnus, LLC
01.2008 - 01.2010
B2B Business Account Executive Manager- President's Club Award Winner
Broad Street Mortgage Co.
01.2004 - 01.2008
BS - Business Economics
University of New Hampshire
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