Kristin Kozuh
Wesley Chapel
Summary
Knowledgeable Financial Processor, Manager, and Trainer bringing over 35 years of experience in financial and administrative positions. Highly skilled in working well with people of all backgrounds to complete tasks. Adept at building loyalty and trust between client and business. Results-driven professional effective in implementing positive change while overseeing multiple tasks. A team player with great time management and organizational skills.
Overview
11
11
years of professional experience
Work History
PIP/MPC Claims Analyst, Licensed
State Farm Mutual Insurance Company
Wesley Chapel
03.2023 - Current
- Process and handle claims for specialized fraud Auto division
- Negotiate Settlements
- Verify coverages
- Manage litigation throughout claim process if warranted
- Determine allowable benefits
- Medical report and bill management including coding
- Communicating with the insured, and all parties involved in the claim
- Investigated fraudulent claims by gathering evidence from various sources.
- Checked into questionable claims, interviewing agents and claimants to resolve errors and omissions.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Investigated potentially fraudulent claims with focus on thoroughness, quality, and cost control.
Senior Processor/Trainer/Administrative Officer
Cross Country Mortgage
Delray Beach
07.2019 - 09.2022
- Coordinated training for new team members, establishing onboarding processes and frameworks for future acquisitions.
- Prepared reports and documentation in Encompass and Word to support divisional and strategic activities.
- Cultivated customer relationships by ensuring first-call resolution and accountability for tasks.
- Enhanced company image through superior customer service experiences.
- Ensured confidentiality of submitted information in compliance with guidelines and lending laws.
- Upheld privacy and security requirements to maintain data integrity.
- Organized files, updated databases, and maintained 50-125 active files monthly.
- Analyzed financial statements and other relevant information to determine borrower eligibility.
- Provided customer service and support to borrowers throughout the loan process from application to closing.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
- Provided guidance and direction when needed to junior processors regarding policies and procedures related to the origination process.
- Liaised with management to complete special projects and provide administrative support.
- Assisted in the development and implementation of processing procedures to improve efficiency.
- Collaborated with underwriters and loan officers to resolve application issues.
- Managed multiple applications simultaneously, prioritizing tasks to meet deadlines.
- Educated customers on variety of loan products and available credit options.
- Utilized specialized processing software and systems effectively.
- Created detailed summaries outlining potential risks associated with each loan file prior to submission for underwriting review.
Senior Consultant
Guaranteed Rate
Naperville
07.2014 - 07.2019
- Troubleshot issues by understanding issue, diagnosing root cause and coming up with effective solutions.
- Identified business issues through careful collaboration with key stakeholders.
- Prioritized projects and project tasks depending upon key milestones and deadline dates.
- Performed business research and financial analysis.
- Maintained over 100 files at any given time, and was in top 2% of processors company-wide
Education
Associate of Science - Finance
Elmhurst University
Elmhurst, IL05.1989
Skills
- Document and file management
- Multitasking and time management
- Workflow optimization
- Inventory management
- Human resources recruitment
- Profit and loss accountability
- Effective communication
- Business correspondence
- Employee motivation
- Research and analysis
- Customer satisfaction
- Claims processing
- Problem solving
- Investigation management
- Financial analysis
- Analytical skills
- Fraudulent claims investigation
Affiliations
- Avid golfer
- Love to read, member of neighborhood book club
- Family oriented
Timeline
PIP/MPC Claims Analyst, Licensed
State Farm Mutual Insurance Company
03.2023 - Current
Senior Processor/Trainer/Administrative Officer
Cross Country Mortgage
07.2019 - 09.2022
Senior Consultant
Guaranteed Rate
07.2014 - 07.2019
Associate of Science - Finance
Elmhurst University
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