Lindsay Ross
Appleton,WI
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
18
18
years of professional experience
Work History
Claims Adjuster
Progressive Insurance
07.2023 - Current
- Examined claims forms and other records to determine insurance coverage.
- Reviewed police reports and physical property damage to determine extent of liability.
- Prepared summaries of damage, payments, and policy coverage.
- Researched and analyzed policy contracts to verify proper payment of claims.
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information. Managed over 50 customer calls per day.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
AVP Mortgage Underwriter III
Associated Bank
06.2017 - 04.2023
- Effectively manages and underwrites high-volume pipeline of conventional, VA, jumbo, and ARM mortgage loans with extreme accuracy, completeness, and sound judgment
- Evaluates financial strength of borrowers to determine risk and repayment capacity, while analyzing tax returns, P & L’s, balance statements, financial statements, credit reports, calculating income, and appraisals to approve, re-structure, or deny loans with excellent attention to detail
- Strong ability to adhere to all regulatory requirements and compliance guidelines, such as ATR/QM, HOEPA, HPML, TRID, RESPA, fair lending, and secondary market investor requirements, including federal agencies, VA, HUD, FNMA, and service level standards
- Proactively collaborate and communicate with management, lenders, processors, and closers to seek reasonable solutions with complex loan files
Mortgage Underwriter
Bank of America
04.2015 - 05.2017
- Performed manual and automated underwriting of complex, high net worth client loans, including conventional, non-conforming, HELOC, and MHA to ensure compliance with appropriate company and secondary market investor standards
- Ranked in top 25% for loan production goal and consistently met and exceeded individual & investor quality audits with minimal regulatory or compliance findings
- Efficiently managed ongoing pipeline of 30+ loans with authority to withdraw and decline loans, along with approvals up to $400K
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms
- Analyzed and verified applicant income, assets, credit history, appraisal/title reviews, and tax returns to determine credit risk and add applicable loan conditions.
Home Services Specialist (Loan Processor)
Bank of America
04.2012 - 04.2015
- Loan underwriting and processing, including conforming, non-conforming, and MHA refinances. Achieved SASE level I & level II underwriting certifications.
- Consistently met and exceeded quality and service standards, and achieved rankings in top 10% of team for monthly loan production goals
- Set up, organized, and completed loan submission packages by analyzing borrower credit reports and income statements to verify accuracy
- Addressed any points of risk, and approved conditions within designated scope of authority
- Adhered to all regulatory & compliance requirements, through maintaining expert understanding of consumer credit guidelines, due diligence, and comprehensive training
- Utilized critical thinking skills to resolve issues regarding credit, title abstracts, appraisal, tax histories, and insurance paperwork, by maintaining and strengthening consistent, professional communications with clients and any related third parties.
Personal Banker
Bank of America
06.2010 - 04.2012
- Demonstrated expert knowledge on total financial product portfolio including mortgages, checking, savings, CD's, IRA's, and credit cards
- Identified cross-sell opportunities in existing customer base through relationship deepening, as well as address credit related issues and point of risk
- Generated new business through soliciting outbound calls, on-site presentations, and referrals from loan customers. Achieved consistent rankings in top 25% of sales team
- Utilized customer relationship management (CRM) software to provide accurate and complete customer service
- Liaison between mortgage clients and processing department, including providing quoted rates, terms, and qualifying consumer loan & credit line requests.
- Adhered to all regulatory & compliance requirements, through expert understanding of consumer credit guidelines
Creative Design Flooring
Project Coordinator
02.2006 - 05.2010
- Kept projects on schedule by managing deadlines, adjusting workflows, and prioritizing needs
- Maintained database and spreadsheets with accurate inventory and status.
- Prepared monthly billing and maintained job folders for payment verifications and final invoicing. Complete accurate billing in system to match payment applications sent.
- Processed work orders, change orders, and purchase orders in a timely manner.
- Established rapport and engaged with vendors and contractors to build lasting professional relationships.
Education
Bachelor of Science - Marketing
ARIZONA STATE UNIVERSITY
Tempe, AZ05.2005
Skills
- Multi-Task
- Meets Deadlines
- Analytical
- Cash Flow Analysis
- Organizational Skills
- Effective Verbal and Written Communication Skills
- Mortgage Cadence Platform
- Microsoft Office Suite
- Investigation Leadership
- Damage Assessment
- Policy Interpretation
- Settlement Determinations
- Claims Assessments
- Liability Determinations
- Damage Mitigation
- Accounting Remittances
- Data Entry and Management
- Loan and Account Monitoring
- Financial Statements Expertise
- Invoice and Statement Preparation
Timeline
Claims Adjuster
Progressive Insurance
07.2023 - Current
AVP Mortgage Underwriter III
Associated Bank
06.2017 - 04.2023
Mortgage Underwriter
Bank of America
04.2015 - 05.2017
Home Services Specialist (Loan Processor)
Bank of America
04.2012 - 04.2015
Personal Banker
Bank of America
06.2010 - 04.2012
Creative Design Flooring
Project Coordinator
02.2006 - 05.2010
Bachelor of Science - Marketing
ARIZONA STATE UNIVERSITY
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