Kristi Maguire
Davenport,FL
Summary
Detail-oriented RAC Underwriter with expertise in risk assessment and credit analysis. Proven ability to enhance decision-making processes through meticulous documentation review and data interpretation.
Overview
30
30
years of professional experience
Work History
RAC Underwriter I
Regional Acceptance Corporation
07.2016 - Current
- Evaluated refinance applications for risk assessment and underwriting decisions.
- Collaborated with partners to clarify application details and enhance client communication.
- Analyzed financial documents to determine applicant creditworthiness and eligibility.
- Strictly adhered to underwriting guidelines that improved consistency in decision-making processes.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Office Manager
Massey Services Pest Prevention
07.2011 - 07.2016
- Streamlined office operations to enhance efficiency and reduce costs.
- Managed scheduling and coordination of services, ensuring optimal resource allocation.
- Oversaw inventory management and procurement processes for office supplies and equipment.
- Developed and implemented office policies to improve team productivity and compliance.
- Collaborated with cross-functional teams to support strategic initiatives and drive organizational goals.
- Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.
- Maintained accurate financial records by reconciling accounts payable/receivable transactions regularly to ensure balanced budgets.
Office Manager
Honours Golf
06.1996 - 06.2011
- Trained and mentored administrative staff, fostering professional growth and teamwork.
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Conducted regular inventory assessments of office supplies, ordering necessary items proactively to prevent stock shortages.
- Coordinated office events and meetings, ensuring timely execution and optimal scheduling for all participants.
- Streamlined office operations by implementing efficient filing systems and organizational strategies.
- Managed vendor relationships, negotiating contracts for cost savings while maintaining high-quality services.
- Contributed to workplace safety by ensuring compliance with established emergency protocols and conducting regular equipment inspections.
- Optimized office space utilization, leading to more efficient and productive work environment.
- Analyzed operational workflows, identifying areas for improvement and implementing best practices.
- Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
Education
Bachelor of Science - Education
The Florida State University
Tallahassee, FL08-1995
Skills
- Underwriting guidelines
- Analyzing data
- Documentation review
- Risk assessment
- Credit analysis
- Data collection
- Application review
- Relationship building
- Data interpretation
- Risk management
Timeline
RAC Underwriter I
Regional Acceptance Corporation
07.2016 - Current
Office Manager
Massey Services Pest Prevention
07.2011 - 07.2016
Office Manager
Honours Golf
06.1996 - 06.2011
Bachelor of Science - Education
The Florida State University