Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Octavia Howard

Westland,MI

Summary

Knowledgeable and dedicated professional with extensive experience in multiple areas. Solid team player with outgoing, positive demeanor and proven skills in establishing rapport with clients. Motivated to maintain customer satisfaction and contribute to company success. Specialize in quality, speed and process optimization. Articulate, energetic and results-oriented with exemplary passion for developing relationships, cultivating partnerships and growing businesses

Overview

9
9
years of professional experience
1
1
Certification

Work History

Mortgage

United Wholesale Mortgage
02.2019 - Current
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Strengthened relationships with real estate professionals, providing timely and accurate information to facilitate smoother transactions.
  • Maintained high level of customer satisfaction by providing clear, concise explanations of complex underwriting decisions.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Played key role in successful navigation of regulatory audits, preparing detailed documentation and reports.

Credit Repair Specialist

Financial Educational Services
09.2017 - 02.2024
  • Coordinated closely with colleagues from other departments to optimize client outcomes through collaborative efforts.
  • Negotiated with creditors and collection agencies to achieve successful settlements for clients.
  • Demonstrated commitment to continuous professional development by attending industry conferences and participating in relevant training programs regularly.
  • Conducted thorough research on industry trends and best practices, ensuring the highest level of service for clients.
  • Educated clients on financial management principles to enhance their long-term credit standing.
  • Consistently met and exceeded performance targets, showcasing dedication to achieving exceptional results for clients in their credit repair journey.
  • Managed a portfolio of diverse clients, balancing individual needs while meeting performance metrics consistently.
  • Collaborated with the legal team to ensure compliance with federal and state regulations in all credit repair activities.
  • Assisted clients in understanding their credit reports, identifying errors, and disputing inaccuracies with credit bureaus.
  • Monitored client progress regularly, providing timely feedback and support throughout the credit repair process.
  • Investigated and resolved customer disputes related to credit decisions.

Insurance Customer Service Representative

JMS Associates
09.2017 - 02.2019
  • Managed high call volume while maintaining professionalism, empathy, and attention to detail in each interaction.
  • Processed policy updates and changes accurately, ensuring client needs were met in a timely manner.
  • Answered incoming phone calls to articulate product value to prospective customers and support current policyholders.
  • Responded to customer requests for products, services, and company information.
  • Enhanced customer satisfaction by addressing and resolving insurance-related inquiries and concerns.
  • Handled sensitive customer information with discretion, adhering to strict data privacy regulations at all times.
  • Assisted clients in filing claims, coordinating with adjusters to expedite the process and secure fair settlements.
  • Reviewed and adjusted customer coverage levels to address, identify, and resolve customer conflicts.
  • Provided exceptional support during annual open enrollment periods, guiding customers through plan selection processes effectively.
  • Processed insurance claims to ensure timely support for customers in need.

Caregiver/MedTech

Private Duty
03.2016 - 07.2018
  • Assisted clients with activities of daily living, promoting independence and quality of life.
  • Cleaned house, ran errands, managed laundry, and completed weekly grocery shopping.
  • Assisted with dressing guidance, grooming, meal preparation, and medication reminders.
  • Performed light housekeeping duties to maintain cleanliness standards while respecting the patient''s personal space.
  • Administered medications as prescribed, ensuring accurate dosage and timely administration for maximum efficacy.
  • Documented detailed daily reports on each client''s progress, informing adjustments in care plans when necessary.
  • Recognized and reported abnormalities or changes in patients' health status to case manager.
  • Turned and positioned bedbound patients to prevent bedsores and maintain comfort levels.
  • Monitored client vital signs, administered medications, and tracked behaviors to keep healthcare supervisor well-informed.
  • Implemented fall prevention strategies within the home environment by identifying hazards or obstacles that posed risk to patient safety.
  • Observed, monitored and recorded problem behaviors through accurate behavior-consequence data collection, graphs, and anecdotal notes.
  • Assisted with medication administration and counting and pouring medications.
  • Took patient blood pressure and pulse rate, reporting findings in health charts.

Education

Bachelor of Science - Computer And Information Systems

Madonna University
Livonia, MI
01-2028

Associate of Science - Computer And Information Systems

Wayne County Community College
Detroit, MI
03-2018

High School Diploma -

Wayne Memorial High School
Wayne, MI
01-2013

No Degree - Medical Assisting

William D Ford
Wayne, MI
01-2013

Skills

  • Documentation review
  • Asset statements
  • Loan evaluation
  • Automated underwriting system (AUS)
  • Application review
  • Loan processing coordination
  • Customer service
  • Active listening
  • Critical thinking
  • Data entry
  • Problem resolution
  • Relationship building
  • Call center experience
  • Computer proficiency
  • Microsoft Excel
  • Payment processing
  • Microsoft outlook
  • Scheduling
  • Follow-up skills
  • Professional telephone demeanor
  • Dependable and responsible
  • Patient care

Certification

  • CPR/AED Certification
  • First Aid Certification - American Red Cross or St John Ambulance.
  • Michigan Driver's License
  • Registered Behavior Technician (RBT) - Behavior Analyst Certification Board.
  • National Provider Identifier
  • Recipient Rights
  • Hippa Basics

Timeline

Mortgage

United Wholesale Mortgage
02.2019 - Current

Credit Repair Specialist

Financial Educational Services
09.2017 - 02.2024

Insurance Customer Service Representative

JMS Associates
09.2017 - 02.2019

Caregiver/MedTech

Private Duty
03.2016 - 07.2018

Bachelor of Science - Computer And Information Systems

Madonna University

Associate of Science - Computer And Information Systems

Wayne County Community College

High School Diploma -

Wayne Memorial High School

No Degree - Medical Assisting

William D Ford

Similar Profiles

CREATE PROFILE
Octavia Howard