KENNETHIA COLLIER
Dallas Fort Worth Metroplex,TX
Summary
Insurance Adjuster skilled in investigating and analyzing liability concerning personal, casualty or property loss. Proven history of leveraging excellent negotiation skills to facilitate settlements. Excellent communication skills demonstrated through 15 years of experience interviewing specialists, witnesses and claimants to compile information.
Knowledgeable and efficient professional with extensive experience in financial industry. Prepares detailed client financial information to meet strict government and state regulations. Possesses comprehensive knowledge of conventional and government loan programs to fulfill customer needs. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Loan Processor Supervisor
Loandepot
03.2021 - Current
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Provided quick turnaround times to maintain fast-past schedule.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Utilized loan origination software to process and track loan applications.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Proactively identified solutions for customers experiencing credit issues.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Claims Adjuster, Automobile and Casualty
Hammerman & Gainer
09.2019 - 09.2021
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
- Prepared summaries of damage, payments, and policy coverage.
- Examined claims forms and other records to determine insurance coverage.
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
- Verified insurance claims and determined fair amount for settlement.
- Maintained suspicious claims database and prepared reports for supervisors.
- Researched and analyzed policy contracts to verify proper payment of claims.
- Documented all investigation activity and presented reports to management.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
- Established relationships with clients and insurance companies to foster timely claims resolution.
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
- Evaluated insurance policies and analyzed damages to determine coverage.
- Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
- Established productive working relationships with public officials and law enforcement officers.
- Visited customer locations to evaluate damage and provided cost estimates for remediation.
Senior Mortgage Loan Processor
Mr. Cooper Mortgage
06.2018 - 06.2021
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Prepared file for final clear-to-close by branch management.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Educated customers on loan services and regulations to confirm compliance.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Medical Reimbursement Specialist
Akumin / Insurance Verifi
06.2018 - 08.2019
- Assisted in reconciling deposit and patient collections.
- Processed online and paper appeal submissions and refund requests.
- Processed billing calls and answered questions from patients and third-party carriers.
- Corrected, completed and processed claims for multiple payer codes.
- Maintained accurate records of customer payments.
- Handled account payments and provided information regarding outstanding balances.
- Used data entry skills to accurately document and input statements.
- Reconciled accounts receivable to general ledger.
- Generated accounts payable reports for management review to aid in financial and business decision making.
- Kept vendor files accurate and up-to-date to expedite payment processing.
- Collaborated with customers to resolve disputes.
- Monitored outstanding invoices and performed collections duties.
- Generated monthly billing and posting reports for management review.
Pharmacy Benefits Manager
RemX Specialty Staffing
01.2016 - 01.2017
- Evaluated different providers offering range of services, coverages and plan options to pick optimal choice.
- Audited benefit programs and agreements to optimize service delivery.
- Kept programs in line with plan structure, company policy and legal requirements.
- Educated new hires about different benefit plans.
- Assessed client requirements and developed targeted benefits solutions.
- Managed monthly, quarterly and annual payouts for merit rewards, sales commissions and bonus programs.
- Evaluated data, identified trends and recommended changes in compensation structures.
- Expedited benefit delivery by establishing working relationships with benefit providers.
- Reduced benefits expenses by revamping company plans for dental, life and disability.
- Performed evaluations of competitor actions, legislative changes and collective bargaining results in order to make sound decisions about future company benefits and compensation.
Senior Loan Consultant
Nationstar Mortgage
01.2015 - 01.2016
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Collaborated with other departments to promptly process loan applications.
- Developed and maintained relationships with customers, lenders and other third parties.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Processed loan applications and monitored progress from start to finish.
- Researched and updated industry knowledge on changing legislation and regulations.
Liability Claims Representative
Towers Watson One Exchange
12.2014 - 05.2016
- Interviewed policyholders to verify information and obtain additional details.
- Worked productively in fast-moving work environment to process large volumes of claims.
- Followed up with customers on unresolved issues.
- Examined reports, accounts, and evidence to determine integrity and accuracy of information.
- Investigated accidents or incidents to determine cause and extent of damages.
- Prepared and presented detailed reports to management on claims issues to aid in decision making.
- Maintained accurate and up-to-date records of claim information for future reference.
- Negotiated claim settlements with claimants and attorneys to resolve claims efficiently and fairly.
- Analyzed and addressed escalated claims to resolve issues quickly.
- Developed and implemented strategies to improve claim processes.
- Researched and analyzed complex claims to determine next steps and possible outcomes.
- Updated claims system to track claim status and provide relevant information to other department.
- Monitored and managed claim expenses to control costs and maximize profitability.
- Calculated adjustments, premiums and refunds.
- Made contact with insurance carriers to discuss policies and individual patient benefits.
- Determined appropriateness of payers to protect organization and minimize risk.
- Posted payments to accounts and maintained records.
- Verified client information by analyzing existing evidence on file.
- Communicated effectively with staff members of operations, finance and clinical departments.
- Checked documentation for accuracy and validity on updated systems.
Short Sale Negotiator
Greentree Servicing
01.2013 - 01.2015
- Performed proper calculations and prepared payoff figures.
- Maintained and updated all portfolios by state given by foreclosure management.
- Supervised processing of activities and administered responsiveness of alerts to determine foreclosure timeline management.
- Prepared all notices of default as per terms of deed of trust on mortgage.
- Analyzed foreclosure sale bids, judgments, reinstatements and payoffs.
- Evaluated and examined files with management prior to foreclose sale date to formulate bidding instructions.
- Negotiated real estate contracts to navigate transactions between buyers and sellers.
- Generated leads and qualified prospects, facilitating smooth property transactions.
- Developed successful marketing strategies to promote properties and maximize exposure.
Senior Loan Underwriter
Carlisle & Gallagher
01.2011 - 01.2013
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Developed and maintained relationships with investors to drive compliance with guidelines.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Compiled closing packages for drafting and presentation accuracy.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Loss Mitigation Specialist
Citi Mortgage
01.2009 - 01.2011
- Remained updated with latest information related to mortgage products and services being offered.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Assessed clients' financial data to determine loan suitability.
- Reached out to borrowers to discuss current status and loan workout options.
- Provided reinstatement and payoff quotes to clients.
- Helped customers navigate options to maintain homeownership.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Education
Bachelor of Arts - Business Management And Marketing
Prairie View A & M University
Prairie View, TXSkills
- Legal compliance
- Financial document review
- Appraisals
- Application preparation
- Interviews
- Processing procedures
- Information Verification
- Deep knowledge of bankruptcy processes
Certification
TEXAS DEPARTMENT OF INSURANCE
#2369365
Adjuster- All Lines
CERTIFIED NOTARY PUBLIC, STATE OF TEXAS
Timeline
Loan Processor Supervisor
Loandepot
03.2021 - Current
Claims Adjuster, Automobile and Casualty
Hammerman & Gainer
09.2019 - 09.2021
Senior Mortgage Loan Processor
Mr. Cooper Mortgage
06.2018 - 06.2021
Medical Reimbursement Specialist
Akumin / Insurance Verifi
06.2018 - 08.2019
Pharmacy Benefits Manager
RemX Specialty Staffing
01.2016 - 01.2017
Senior Loan Consultant
Nationstar Mortgage
01.2015 - 01.2016
Liability Claims Representative
Towers Watson One Exchange
12.2014 - 05.2016
Short Sale Negotiator
Greentree Servicing
01.2013 - 01.2015
Senior Loan Underwriter
Carlisle & Gallagher
01.2011 - 01.2013
Loss Mitigation Specialist
Citi Mortgage
01.2009 - 01.2011
Bachelor of Arts - Business Management And Marketing
Prairie View A & M University
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