Maria Miranda
Colorado Springs,CO
Summary
Goal oriented Insurance Agent, proven expertise in products, service and customer needs. Energetic and enthusiastic, strong work ethic, adaptability and exceptional interpersonal skills.
Experienced Underwriter with more than 22 years in the financial industry. Proficient in making product and benefit recommendations and managing risk. Successful in building strong relationships with sales teams and processors to achieve organizational goals.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Medicare Sales Agent
Assurance IQ
Seattle , WA
2023.06 - 2024.07
- Presented and clearly explained insurance policy options based on clients' needs and goals.
- Explained advantages, disadvantages and features of policies to promote sales of Medicare plans.
- Explained coverage options to potential policyholders, answering questions or concerns.
- Counseled prospects and policyholders on coverage, limits and regulations.
- Time management
- Goal oriented
Underwriter II Remote
Bay Equity LLC
Corte Madera , CA
2020.09 - 2022.11
- Assessed loan conditions/financial statements/credit information/title and appraisal documents to complete the underwriting process.
- Maintained compliance with company and regulatory policies.
- Assessed loan conditions and provided effective feedback regarding loan decisions.
- Researched applicant employment and financial histories to confirm document accuracy.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Requested additional information for applications and documents when necessary.
- Worked with colleagues to review and accept/deny loan applications.
Underwriter II
Wells Fargo Bank
Colorado Springs , CO
2013.01 - 2020.09
- Assessed loan conditions/financial statements/credit information/title and appraisal documents to complete the underwriting process.
- Maintained compliance with company and regulatory policies.
- Assessed loan conditions and provided effective feedback regarding loan decisions.
- Researched applicant employment and financial histories to confirm document accuracy.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Requested additional information for applications and documents when necessary.
- Worked with colleagues to review and accept/deny loan applications.
Home Equity Specialist
Wells Fargo Bank
Colorado Springs , CO
2007.02 - 2013.01
- Executed loan origination process. Including ordering credit reports, appraisals and preliminary title reports.
- Educated customers on a variety of loan products and available credit options, providing expert financial advice on home equity products.
- Answered calls to answer customer questions, providing excellent service/attention to customers during phone conversations, improving customer satisfaction by finding creative solutions to problems.
- Discussed loan needs/financial histories with clients and conveyed information regarding the application process.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Created and completed loan submission packages, managing conditions sent from underwriting and completing loan packages quickly and efficiently for closing.
Home Equity Sales Associate
Wells Fargo Bank
Colorado Springs , CO
2001.05 - 2007.02
- Received inbound calls from customers to fill out an application.
- Asked questions to fill out the application and went over different home equity products, educating the customers.
- Pulled the credit history, if conditional approval, ordered appraisals/titles.
- Conveyed denials to customers and sent conditionally approved applications/files to processors.
Education
High School Diploma -
Eisenhower High School
Lawton, OKSkills
- Negotiation proficiency
- Managing risk
- Production-oriented
- Analyzing data
- Data collection
- Loss prevention
- Building strong relationships
- Quality control
- Customer service-focused
- Debt and credit management
- Time management
- Needs assessment
- Insurance program analysis
- Critical thinking
- Persuasive Negotiation
Certification
- Health Insurance License, multiple states.
Timeline
Medicare Sales Agent
Assurance IQ
2023.06 - 2024.07
Underwriter II Remote
Bay Equity LLC
2020.09 - 2022.11
Underwriter II
Wells Fargo Bank
2013.01 - 2020.09
Home Equity Specialist
Wells Fargo Bank
2007.02 - 2013.01
Home Equity Sales Associate
Wells Fargo Bank
2001.05 - 2007.02
High School Diploma -
Eisenhower High School
- Health Insurance License, multiple states.
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