Nathan Wilson
Carrollton,TX
Summary
Seeking Mortgage Underwriter role with 16 years of experience in mortgage applications and loan processing. Expertise in FHA Loans, investor guidelines, and collaboration with compliance officers to ensure regulatory adherence. Proven track record in accurate documentation and risk management, enhancing loan approval efficiency. Highly skilled Conventional Mortgage Underwriter with comprehensive understanding of financial documentation and lending processes. Strengths lie in careful risk analysis, adherence to compliance regulations, and the ability to make well-informed decisions that benefit both borrower and institution. Previous work has positively impacted operational efficiency and client satisfaction through swift, accurate underwriting process.
Overview
17
17
years of professional experience
Work History
Medicare D Prior Authorization IB Phone Tech
Quality Staff/ CVS Caremark
Richardson, TX
10.2022 - Current
- Review and evaluate health plan requirements, including predetermination, authorization, and referrals, efficiently handling an average of 30 cases weekly.
- Accurately document all case activity and correspondence, ensuring smooth team collaboration, and effective case management.
- Assist physicians, pharmacists, and members in decoding Utilization Management and formulary coverage rules, guiding informed decisions about formal requests for coverage.
- Researched clinical criteria and determined eligibility for requested services based on plan provisions.
Insurance Verification Specialist
AllianceRX Walgreens Prime
Frisco, Texas
04.2019 - 02.2022
- Updated and rectified insurance information for patient records, ensuring accuracy and compliance.
- Resolved urgent order inquiries and complaints, earning recognition for effective customer resolution.
- Coordinated financial verification and pre-certification as necessary for patient care, documenting relevant information in alignment with the established process.
- Reviewed documents for accurate coding, identified errors, and made necessary revisions, in addition to verifying chart information through weekly communication with an average of 30 patients.
- Liaised between physician, site of service and billing department to obtain appropriate documentation.
Remote Mortgage Underwriter
Enloe State Bank
Dallas, TX
11.2018 - 04.2019
- Managed end-to-end loan processing, ensuring the accuracy and completeness of all necessary documentation in the loan file.
- Initiated proactive follow-ups with members and third parties to acquire essential loan documentation, including title, credit, and collateral information
- Assisted in the preparation of loan closing documents and coordinated with closing agents.
- Evaluated loans against portfolio and investor guidelines.
- Conducted thorough reviews of self-employed applicants' income to ascertain sustainable earnings for loan repayment.
Patient Access Representative
Kelly Services/ Amerisource
Plano, TX
06.2018 - 11.2018
- Demonstrated commitment to accuracy and precision in assignment completion, requiring minimal supervision, and ensuring a reduction in repetitive errors.
- Strategically enhanced workflow processes, employing logical problem-solving techniques to identify issues, and devise efficient solutions.
- Consistently exceeded quality standards set by leadership by effectively managing and completing a designated number of accounts daily, with meticulous documentation of claim statuses and actions taken.
Benefits Analyst
Willis Towers Watson
Garland, TX
10.2017 - 06.2018
- Assisted in the comprehensive update of benefits information, further educating employees on their benefit plans.
- Developed and disseminated internal reporting and metrics on plan performances, including the monitoring of self-funded claims, FSA forfeitures, and overall benefits plan expenses, leading to actionable recommendations to mitigate risks.
- Provided expert advice on employment regulations, compensation strategies, and internal systems, resulting in a 15% decrease in escalation calls.
Credentialing Specialist
Kelly Services/ Blue Cross Blue Shield
Richard, TX
11.2016 - 02.2017
- Developed and implemented a performance improvement plan to streamline the re-credentialing process, significantly enhancing productivity and efficiency
- Verified professional licenses, training, and certifications of medical staff, ensuring strict adherence to established regulations and guidelines, contributing to healthcare quality assurance
- Managed and updated provider applications and re-applications, including initial mailing, review, and loading into the database tracking system, ensuring consistent compliance with required standards
Junior Mortgage Underwriter
Capital One Bank
Plano, TX
11.2007 - 11.2016
- Successfully obtained essential credit and compliance documentation from a range of sources, including internal and external clients, vendors, and third-party sources.
- Distinguished for achieving the second-highest loan funding rate among an underwriting team, securing a total of $12.8 million in one fiscal year.
- Maintained high productivity levels by averaging more than three initial loans, and six re-submissions daily.
- Ensured the accuracy of loan applications by diligently reviewing credit, income, assets, and disclosures, subsequently aiding in loan approval decisions
Education
IT Certification Career - Certification IT Program with a concentration in Cyber Security
My Computer Careers
Dallas, TX01.2025
Diploma - Pharmacy Technology
Remington College
Garland, TX05.2005
High School Diploma -
Newman Smith High School
Carrollton, TX08-1999
Skills
- Microsoft Excel
- Ability to work in a team
- Customer service
- Computer Skills
- Ability to Multitask
- Debt-to-income ratios
- Credit analysis
- Underwriting guidelines
- Income calculation
- Document verification
- Loan evaluation
- Microsoft Office
- Knowledge of ICD-10 codes (diagnosis codes)
- Experience with major medical insurance
- Knowledge of pharmacy benefits
- Attention to detail
- Analytical skills
- Problem solving
- Time Management
- Communication skills
Timeline
Medicare D Prior Authorization IB Phone Tech
Quality Staff/ CVS Caremark
10.2022 - Current
Insurance Verification Specialist
AllianceRX Walgreens Prime
04.2019 - 02.2022
Remote Mortgage Underwriter
Enloe State Bank
11.2018 - 04.2019
Patient Access Representative
Kelly Services/ Amerisource
06.2018 - 11.2018
Benefits Analyst
Willis Towers Watson
10.2017 - 06.2018
Credentialing Specialist
Kelly Services/ Blue Cross Blue Shield
11.2016 - 02.2017
Junior Mortgage Underwriter
Capital One Bank
11.2007 - 11.2016
IT Certification Career - Certification IT Program with a concentration in Cyber Security
My Computer Careers
Diploma - Pharmacy Technology
Remington College
High School Diploma -
Newman Smith High School
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