Kevin Phoenix
Las Vegas,NV
Summary
Diligent Underwriter with robust background in underwriting, specializing in risk assessment and policy evaluation. Proven track record of making informed decisions that align with company goals and regulatory standards. Demonstrated expertise in financial analysis and client relationship management.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Compliance Underwriter
Covius
Remote
01.2026 - Current
- Reviewed and validated compliance documentation to uphold regulatory standards and ensure adherence to internal policies.
- Performed detailed evaluations of underwriting processes to ensure adherence to compliance standards.
- Evaluated compliance documentation to ensure adherence to regulatory standards and internal policies.
- Conducted risk assessments to identify potential compliance issues within underwriting processes.
- Identify and assess overall risk and potential fraud exposure resulting from clients' underlying business practices.
- work in a fast-paced, metrics driven environment
OTR Truck Driver
Swift Transportation
Las Vegas, NV
02.2024 - Current
- Delivered goods and materials to various locations across the country, ensuring on-time and safe transportation
- Maintained accurate records of mileage, fuel usage, and delivery times for each trip
- Performed routine inspections of vehicles before and after trips to ensure proper functioning and safety compliance
- Adhered to all traffic laws, regulations, and company policies while operating commercial vehicles
- Communicated effectively with dispatchers to receive instructions, update delivery status, and report any issues or delays
- Managed time efficiently to meet tight schedules and deadlines for multiple deliveries
- Coordinated with warehouse staff for loading and unloading of cargo in a timely manner
- Ensured proper securing of cargo using straps, chains, or other appropriate methods as required by load specifications
- Utilized GPS navigation systems to determine the most efficient routes for each trip
- Responded promptly to any mechanical issues or emergencies encountered during trips by contacting maintenance personnel or roadside assistance services as needed
- Maintained a clean and organized truck cabin at all times for comfort and safety purposes
- Followed established procedures for handling hazardous materials in accordance with DOT regulations when applicable
- Collaborated with customers at delivery locations to verify shipment details, obtain necessary signatures, and resolve any discrepancies or complaints professionally
Junior Underwriter
Pinnacle Lending Group Inc.
Las Vegas, NV
07.2023 - 08.2024
- Evaluated risk factors and analyzed financial documents to determine coverage eligibility.
- Collaborated with agents to gather necessary information for underwriting decisions.
- Streamlined processes for reviewing applications, reducing turnaround times significantly.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed assets statements for all types of asset accounts
- Analyzed income from salaried, commissioned, self-employed, investments, fixed income sources.
- Input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset wise, other AUS engines, and OES.
- Identify and assess overall risk and potential fraud exposure resulting from clients' underlying business practices.
- Meet the minimum daily production goals and quality targets plus clearing conditions and perform within department audit standards.
- Review of credit reports to determine credit patterns, current liabilities, outstanding judgments, and collections.
- Review of residential mortgage appraisal forms and calculations of Loan to Value ratios.
Junior Underwriter
Amerifirst Financial Inc
Las Vegas, NV
11.2020 - 11.2022
- Evaluated risk factors and analyzed financial documents to determine coverage eligibility.
- Collaborated with agents to gather necessary information for underwriting decisions.
- Streamlined processes for reviewing applications, reducing turnaround times significantly.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed assets statements for all types of asset accounts
- Analyzed income from salaried, commissioned, self-employed, investments, fixed income sources.
- Input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset wise, other AUS engines, and OES.
- Identify and assess overall risk and potential fraud exposure resulting from clients' underlying business practices.
- Meet the minimum daily production goals and quality targets plus clearing conditions and perform within department audit standards.
- Review of credit reports to determine credit patterns, current liabilities, outstanding judgments, and collections.
- Review of residential mortgage appraisal forms and calculations of Loan to Value ratios.
Insurance Agent
Allstate Insurance
Las Vegas, NV
11.2018 - 12.2020
- Developed and maintained a portfolio of XX clients, providing them with personalized insurance solutions
- Analyzed client needs and recommended appropriate coverage options to ensure comprehensive protection
- Achieved XX% increase in sales revenue by effectively cross-selling additional insurance products to existing clients
- Prospected and generated leads through various channels such as referrals, networking events, and cold calling
- Built strong relationships with clients by delivering exceptional customer service and promptly addressing their inquiries or concerns
- Collaborated with underwriters to negotiate favorable terms for clients' insurance policies while ensuring compliance with company guidelines
- Educated clients on the features, benefits, and exclusions of different insurance policies to help them make informed decisions
- Conducted thorough risk assessments for potential policyholders to accurately determine coverage requirements
- Managed policy renewals by proactively contacting clients ahead of expiration dates and offering updated coverage options
- Utilized CRM software to track client interactions, manage leads, and maintain accurate records of policies sold
- Participated in ongoing training programs to stay up-to-date on industry trends, product knowledge, and regulatory changes affecting the insurance market
- Established and operated an independent insurance agency, specializing in property and casualty insurance
- Implemented customer relationship management (CRM) system to streamline client communication and improve retention rates by XX%
- Created customized insurance solutions tailored to meet individual client needs while ensuring compliance with industry regulations
- Negotiated contracts with insurance carriers to secure competitive pricing for clients without compromising on coverage quality
- Led sales initiatives resulting in XX% annual revenue growth for the past XX years
- Provided exceptional customer service by promptly addressing inquiries, resolving issues, and processing claims efficiently
- Collaborated with underwriters to assess risk factors accurately when determining policy terms and premiums for clients
- Conducted regular performance evaluations of agents based on key metrics such as sales targets achieved, customer satisfaction ratings, etc
- Developed marketing campaigns targeting specific demographics or industries to generate leads and expand client base
- Utilized data analytics tools to track key performance indicators (KPIs) such as conversion rates, average policy value, etc., enabling data-driven decision-making processes
Licensed Mortgage Loan Originator
Amerifirst Financial
Las Vegas, NV
05.2016 - 11.2018
- Generated leads and cultivated relationships with potential borrowers to drive new business
- Analyzed financial information, credit reports, and loan documents to determine borrower eligibility
- Educated clients on various mortgage products and helped them select the best option for their needs
- Guided borrowers through the entire loan process from application to closing, ensuring a smooth transaction
- Maintained a thorough understanding of current lending guidelines, regulations, and industry trends
- Collaborated with underwriters, processors, and other stakeholders to expedite loan approvals
- Consistently met or exceeded sales targets by originating high-quality loans within established timeframes
- Built a strong referral network by providing exceptional customer service and delivering positive outcomes for clients
- Developed marketing strategies to promote mortgage services and increase brand awareness in the local market
Licensed Mortgage Loan Originator
First Cal Mortgage
Las Vegas, NV
09.2015 - 05.2016
- Generated leads and cultivated relationships with potential borrowers to drive new business
- Analyzed financial information, credit reports, and loan documents to determine borrower eligibility
- Educated clients on various mortgage products and helped them select the best option for their needs
- Guided borrowers through the entire loan process from application to closing, ensuring a smooth transaction
- Maintained a thorough understanding of current lending guidelines, regulations, and industry trends
- Collaborated with underwriters, processors, and other stakeholders to expedite loan approvals
- Consistently met or exceeded sales targets by originating high-quality loans within established timeframes
- Developed marketing strategies to promote mortgage services and increase brand awareness in the local market
- Participated in networking events and industry conferences to expand professional connections and stay updated on industry developments
Licensed Mortgage Loan Originator
Movement Mortgage
Las Vegas, NV
12.2014 - 08.2015
- Generated leads and cultivated relationships with potential borrowers to drive new business
- Analyzed financial information, credit reports, and loan documents to determine borrower eligibility
- Educated clients on various mortgage products and helped them select the best option for their needs
- Guided borrowers through the entire loan process from application to closing, ensuring a smooth transaction
- Maintained a thorough understanding of current lending guidelines, regulations, and industry trends
- Collaborated with underwriters, processors, and other stakeholders to expedite loan approvals
- Consistently met or exceeded sales targets by originating high-quality loans within established timeframes
- Built a strong referral network by providing exceptional customer service and delivering positive outcomes for clients
- Participated in networking events and industry conferences to expand professional connections and stay updated on industry developments
Licensed Mortgage Loan Originator
Superior Mortgage Lending
Las Vegas, NV
02.2014 - 12.2014
- Generated leads and cultivated relationships with potential borrowers to drive new business
- Analyzed financial information, credit reports, and loan documents to determine borrower eligibility
- Educated clients on various mortgage products and helped them select the best option for their needs
- Guided borrowers through the entire loan process from application to closing, ensuring a smooth transaction
- Maintained a thorough understanding of current lending guidelines, regulations, and industry trends
- Collaborated with underwriters, processors, and other stakeholders to expedite loan approvals
- Consistently met or exceeded sales targets by originating high-quality loans within established timeframes
- Built a strong referral network by providing exceptional customer service and delivering positive outcomes for clients
- Developed marketing strategies to promote mortgage services and increase brand awareness in the local market
- Participated in networking events and industry conferences to expand professional connections and stay updated on industry developments
Licensed Mortgage Loan Originator
All Western Mortgage
Las Vegas, NV
08.2012 - 02.2014
- Generated leads and cultivated relationships with potential borrowers to drive new business
- Analyzed financial information, credit reports, and loan documents to determine borrower eligibility
- Educated clients on various mortgage products and helped them select the best option for their needs
- Guided borrowers through the entire loan process from application to closing, ensuring a smooth transaction
- Maintained a thorough understanding of current lending guidelines, regulations, and industry trends
- Collaborated with underwriters, processors, and other stakeholders to expedite loan approvals
- Consistently met or exceeded sales targets by originating high-quality loans within established timeframes
- Built a strong referral network by providing exceptional customer service and delivering positive outcomes for clients
- Developed marketing strategies to promote mortgage services and increase brand awareness in the local market
- Participated in networking events and industry conferences to expand professional connections and stay updated on industry developments
Education
High school diploma -
Durango High School
Las Vegas, NV05-2002
Skills
- Documentation review
- Underwriting guidelines
- Analyzing data
- Risk assessment
- Quality assurance
- Credit analysis
- Data collection
- Caseload management
- Asset statements
- Freddie mac & fannie mae
- Underwriting calculations
- Creditworthiness assessment
Certification
- Driver's License
- Hazmat Endorsement
- CDL
- Certified Loan Processor (CLP)
- HTL Certification
- CLP
- Property & Casualty License
- Non-CDL Class C
- MLO License
- Health Insurance License
- Certified Underwriter
- Insurance Producer License
- Life & Health Insurance License
- Forklift Certification
- TWIC Card
- X Endorsement
- Air Brake Endorsement
- Tanker Endorsement
- Doubles/Triples Endorsement
- CDL A
Languages
Spanish
Bilingual
Hindi
Urdu
English
Punjabi
Timeline
Compliance Underwriter
Covius
01.2026 - Current
OTR Truck Driver
Swift Transportation
02.2024 - Current
Junior Underwriter
Pinnacle Lending Group Inc.
07.2023 - 08.2024
Junior Underwriter
Amerifirst Financial Inc
11.2020 - 11.2022
Insurance Agent
Allstate Insurance
11.2018 - 12.2020
Licensed Mortgage Loan Originator
Amerifirst Financial
05.2016 - 11.2018
Licensed Mortgage Loan Originator
First Cal Mortgage
09.2015 - 05.2016
Licensed Mortgage Loan Originator
Movement Mortgage
12.2014 - 08.2015
Licensed Mortgage Loan Originator
Superior Mortgage Lending
02.2014 - 12.2014
Licensed Mortgage Loan Originator
All Western Mortgage
08.2012 - 02.2014
High school diploma -
Durango High School