Mario Inocente
Fort Worth,TX
Summary
Detail-oriented claims and mortgage underwriting professional with a background in auto liability review, coverage analysis, and document management. Handles claim investigations, communicates decisions clearly, and supports timely resolutions while maintaining compliance and strong customer service.
Overview
1
1
Certification
11
11
years of professional experience
Work History
Liability Determination Adjuster
AllState Insurance
11.2025 - Current
- Interviewed claimants, witnesses, and insureds for statement accuracy.
- Communicated claim decisions and coverage explanations to customers.
- Investigated complex auto cleans to verify policy coverage and detect potential fraud.
- Analyzed policy language to determine liability limits,exclusions,and endorsements.
- Reviewed policy coverage, liability, and damage details for claim decisions.
- Documented claim notes, correspondence, and file updates in claims systems.
- Resolved customer concerns through clear communication and claims support.
Auto Claims Associate
State Farm Insurance
12.2023 - 10.2025
- Analyzed policy language to ensure compliance with state regulations and company policies.
- Reviewed and processed auto claims documents to ensure accuracy of information.
- Conducted thorough investigations by obtaining necessary documentation from claimants and insured parties.
- Educated customers on claim processes and escalated issues when required.
- Resolved claim questions with empathy while explaining coverage and next steps.
- Investigated auto claims using State Farm guidelines and policy language.
- Communicated with policyholders, repair shops, and adjusters throughout claims handling.
Mortgage Underwriter
Primary Residential Mortgage
11.2020 - 12.2023
- Performed all underwriting functions in alignment with diverse program requirements, ensuring compliance and risk mitigation.
- Analyzed applicant income, expense data, asset documentation, credit reports, and property valuations to confirm loan qualification.
- Reviewed AUS findings to ensure compliance with all investor and company guidelines.
- Coordinated with processors and loan officers to streamline loan clearance processes.
- Engaged with investors, Fannie Mae, and Freddie Mac to clarify unique scenarios and ensure accurate underwriting decisions.
Mortgage Underwriter
Asurity Mortgage
10.2018 - 11.2020
- Conducted underwriting functions, aligning loan assessments with diverse program requirements.
- Oversaw manual loan underwriting, validating automated findings to ensure compliance with government loan standards.
- Approved or rejected loan applications, requesting additional information.
- Analyzed loan documents for accuracy to ensure completeness in credit decisions.
- Managed monthly pipeline of 40 to 50 loans, ensuring timely processing of purchases and refinances.
LOGISTIC SUPPORT
Pilot Thomas Logistics
09.2017 - 09.2018
- Optimized fuel and lube deliveries for up to 100 drivers, focusing on cost-effectiveness and timeliness.
- Managed routing of customer deliveries, ensuring compliance with federal and State DOT regulations.
- Scheduled and dispatched monitor installations, repairs, tank sets, and pickups efficiently.
- Utilized SAP features to analyze previous orders and generate new sales opportunities.
- Cultivated customer relationships to enhance sales opportunities and pipeline growth.
- Managed customer database to facilitate account research and engagement.
- Generated tickets for milk runs, tracking delivery performance monthly.
Broker Assistant
Joerns Health Care
08.2016 - 09.2017
- Interacted with freight carriers and brokers for domestic and international shipments to obtain rate quotes and establish pick-up schedules.
- Maintained communication with Customer Care, Sales Representatives, Purchasing, customers, and carriers on freight claim procedures and managed claims resolution.
- Calculates volume, weight and cube requirements for LTL transportation services and small parcel delivery for domestic and international shipments.
- Prepare bills of lading, domestic and international.
- Coordinated daily reporting of finished goods receipts and product transactions through PC emulation of SAP.
Post Closing Audit Specialist
Recovco Mortgage Service
03.2016 - 07.2016
- Examined closed loan files, comparing documents with published product guidelines and ensuring data integrity, auditing 4-5 loans daily.
- Monitor and manage daily pipeline to meet Mortgage Network and Investor specific timelines for newly claimed loans, shipped loans, investor allocated loans, suspended loans, and final documents.
- Addressed loan deficiencies and followed up to ensure timely purchase of loans prior to individual loan delivery expiration dates.
- Communicated with Mortgage Network employees and external entities to obtain corrected documentation, facilitating timely purchases of loans by Mortgage Network investors.
- Perform and maintain exemplary customer service when communicating with borrowers, or those who represent borrowers, regarding corrective documentation.
Education
High School Diploma -
Polytechnc High School
Fort Worth, TX05-1999
Skills
- Claims analysis
- Effective communication is
- Fraud detection
- Claims inquiry
- Document management
- Policy analysis
- Attention to detail
- Problem solving
- Claims analysis
- Negotiation skills
- Fraud detection
Certification
- Texas All-Lines Adjuster License.
Timeline
Liability Determination Adjuster
AllState Insurance
11.2025 - Current
Auto Claims Associate
State Farm Insurance
12.2023 - 10.2025
Mortgage Underwriter
Primary Residential Mortgage
11.2020 - 12.2023
Mortgage Underwriter
Asurity Mortgage
10.2018 - 11.2020
LOGISTIC SUPPORT
Pilot Thomas Logistics
09.2017 - 09.2018
Broker Assistant
Joerns Health Care
08.2016 - 09.2017
Post Closing Audit Specialist
Recovco Mortgage Service
03.2016 - 07.2016
High School Diploma -
Polytechnc High School