NANCY DIMANCHE
NORTH MIAMI BEACH,US
Summary
Underwriter with extensive expertise in loan evaluation and risk assessment, leveraging over 10 years of experience to ensure compliance and support business growth. Demonstrates strong skills in inventory management, customer engagement, and data analysis, with a focus on streamlining processes and enhancing customer experience. Passionate about developing innovative underwriting solutions and committed to maintaining high accuracy and regulatory compliance.
Overview
11
11
years of professional experience
Work History
Underwriting Specialist
Capital BlueCross
Penn, PA
06.2025 - Current
- Evaluated risk factors to determine policy eligibility and coverage options.
- Analyzed complex underwriting cases to ensure compliance with regulatory standards.
- Collaborated with cross-functional teams to enhance underwriting processes and efficiency.
- Mentored junior underwriters, providing guidance on best practices and decision-making.
- Streamlined documentation processes, improving turnaround time for policy approvals.
- Implemented data analysis techniques to assess risk trends and inform underwriting decisions.
- Participated in cross-functional projects aimed at improving overall business performance, leveraging expertise in underwriting principles and practices.
- Supported regulatory reporting requirements by accurately compiling and submitting relevant underwriting data within specified timeframes.
- Enhanced operational efficiencies through the implementation of data-driven decision-making processes in underwriting activities.
- Managed a diverse book of business spanning multiple industries, demonstrating adaptability in assessing various types of risks.
- Maintained a strong understanding of competitor offerings, ensuring the ability to effectively position the company''s products in terms of coverage scope, pricing, and overall value.
- Reviewed loss control recommendations from inspections to determine appropriate actions for mitigating identified hazards effectively.
- Maintained up-to-date knowledge of industry trends and regulatory changes to ensure compliance with all relevant guidelines.
Underwriter
BMG Money
Miami
01.2023 - 04.2025
- Evaluate loan applications at BMG Money using risk assessment protocols to determine creditworthiness, ensuring compliance with financial regulations while maintaining a balanced risk portfolio.
- Meticulously review financial documentation and credit histories to make informed underwriting decisions at BMG Money, identifying potential risk factors while adhering to company guidelines.
- Drive efficient loan processing at BMG Money by conducting thorough applicant assessments, reducing decision turnaround time while maintaining high accuracy in risk evaluation.
- Implement enhanced verification techniques at BMG Money to streamline the underwriting process, balancing thorough risk assessment with improved customer experience.
- Partner with sales and compliance teams at BMG Money to develop comprehensive underwriting solutions that meet regulatory requirements while supporting business growth objectives. Analyzed applicant data to refine risk models, enabling more accurate credit decisions and enhancing portfolio stability.
Loan Officer
Fast Payday Loans
Miami
01.2017 - 01.2023
- Evaluated loan applications with precision, performed detailed credit analyses, and maintained a 98.7% accuracy rate in risk assessment while ensuring compliance with lending regulations.
- Guided clients through complex loan application processes, provided personalized financial advice, and developed strong relationships resulting in substantial referral business.
- Meticulously verified financial documentation, identified discrepancies in application materials, and implemented quality control measures that reduced errors by 17%.
- Introduced digital application tracking system, created customized repayment plans for at-risk borrowers, and developed alternative assessment methods for clients with limited credit history.
- Streamlined risk assessment protocols, achieving 98.7% accuracy while maintaining regulatory compliance and reducing application processing time by 22%.
Sales Associate
Macy's
Miami
01.2015 - 06.2017
- Enhanced customer experience at Macy's as Sales Associate by providing personalized shopping assistance, driving loyalty program sign-ups, and consistently exceeding monthly sales targets.
- Generated substantial revenue growth at Macy's through strategic product recommendations, maintained impeccable floor displays, and resolved customer concerns with solution-focused approaches.
Education
Bachelor of Science -
Miami Dade College
Miami05.2026
Skills
Inventory Management
Customer Engagement
Conflict Resolution
Team Collaboration
Sales Strategy
Product Knowledge
Visual Merchandising
Data Analysis
Problem Solving
Time Management
Customer Retention
Financial Planning
Digital Marketing
Risk Assessment
Regulatory Compliance
Loan Processing
Languages
French
Native or Bilingual
Haitian Creole
Native or Bilingual
Timeline
Underwriting Specialist
Capital BlueCross
06.2025 - Current
Underwriter
BMG Money
01.2023 - 04.2025
Loan Officer
Fast Payday Loans
01.2017 - 01.2023
Sales Associate
Macy's
01.2015 - 06.2017
Bachelor of Science -
Miami Dade College