Rashad Winston

RESPONSBILITIES:

• Developed personalized credit repair strategies utilizing Fair Credit Reporting Act terminology to facilitate removal of derogatory items from clients’ credit reports.
• Conducted comprehensive Credit Analyses to provide detailed evaluations of potential clients' credit histories, identifying key areas for improvement.
• Delivered expert credit consultations, offering actionable advice to enhance clients' credit scores and financial standing.
• Implemented consistent monthly follow-ups and updates on credit progress to ensure clients remained informed and engaged throughout credit repair process.
• Collaborated directly with attorneys to initiate legal actions against credit bureaus for violations of Fair Credit Reporting Act, safeguarding clients' rights.
• Contributed to company’s growth and profitability through strategic focus and dedication to achieving financial targets.
• Engaged in professional networking to cultivate business relationships and acquire new clients, expanding company’s market presence.
• Partnered with realtors and mortgage loan officers, assisting individuals in securing financing for home purchases through improved creditworthiness.

ACCOMPLISHMENTS:

• Imperial Ethics Credit Repair is recognized with A+ rating from Better Business Bureau, underscoring our commitment to excellence and ethical business practices.
• Achieved prominent rankings as top credit repair company in Glendale, Arizona on Google, and as one of leading credit repair services in Arizona on Yelp.
• Celebrated as top financial institution on Nice Local, reflecting our exceptional service quality and client satisfaction.
• Honored to collaborate with St. Mary's Food Bank as committed partner.
• Imperial Ethics is awarded perfect 4-star rating on SociallyGoodCompanies.org, recognizing our exceptional commitment to charitable endeavors.

RESPONSIBILITIES:

• Conducted comprehensive investigations, analyses, evaluations, and resolutions of insurance claims, focusing on liability issues and bodily injury losses.
• Initiated and adjusted timely financial reserves, ensuring accurate claim valuations through meticulous ongoing reviews and assessments.
• Coordinated with policyholders to facilitate vehicle inspections, enhancing efficiency of claims processing.
• Made informed decisions regarding claim approvals or denials based on thorough evidence review, including estimates and photographic documentation.
• Delivered exceptional customer service, guiding claims to resolution with focus on speed, fairness, and clarity.
• Successfully negotiated bodily injury liability settlements, establishing empathetic and effective communication with claimants to navigate claims process.
• Drafted and managed critical documents such as disclaimers and reservations of rights, tailoring correspondence to specific case requirements.
• Managed and resolved claims involving Medicare, Medicaid, and Workers' Compensation, ensuring compliance and satisfaction of associated liens.
• Engaged in team huddles and contributed to professional growth of team members through training and mentoring.
• Cultivated productive relationships with insurers, claimants, third-party carriers, and legal representatives, fostering collaborative problem-solving and dispute resolution.
• Maximized subrogation recoveries by thoroughly reviewing accident facts and aggressively pursuing responsible parties when appropriate.
• Enhanced customer satisfaction by providing timely updates on claim status and answering inquiries professionally.

ACCOMPLISHMENTS:

• Honored with team award for outstanding quality within MCO.
• Initially onboarded as liability adjuster, achieving subsequent promotion to bodily injury adjuster in recognition of exceptional performance.
• Chosen by cohort of leadership to mentor liability adjusters aspiring to transition into casualty roles through effective one-on-one guidance sessions.

RESPONSIBILITIES:

• Skillfully managed and safeguarded proprietary and confidential client information, exemplifying high standard of customer service and trust.
• Organized and indexed all documents, demonstrating meticulous attention to detail and commitment to operational excellence.
• Delivered exceptional customer service by efficiently cross-training new employees, ensuring knowledgeable and responsive team.
• Proactively enrolled clients in payment assistance programs, clearly communicated their contractual rights and obligations, and kept customers informed about status of their car loan, showcasing customer-centric approach to service.
• Customized contracts and established flexible payment plans tailored to individual client needs, while ensuring customers were regularly updated with important information regarding their car loan, reflecting a deep understanding of customer service excellence and financial empathy.

ACCOMPLISHMENTS:

• Initiated my career as Loan Advisor I and demonstrated exceptional performance and dedication, leading to two promotions, ultimately achieving position of Loan Advisor III.

RESPONSIBILITIES

• Strengthened customer relationships by aligning with corporate sales and service objectives, contributing to achievement of quarterly banking center goals through superior customer service in line with bank policies.
• Accurately processed transactions, addressed inquiries, and effectively resolved any customer issues related to bank’s services, upholding high standards of customer satisfaction.
• Conducted basic teller transactions, seizing opportunities to foster both potential and existing customer relationships, highlighting a commitment to community banking and customer development.
• Managed security of teller cash dispenser (TCD), maintaining impeccable balancing records and asset inventories in compliance with company policies, and performed audits on TCD and cash drawers to ensure financial integrity.
• Applied research and analytical skills to present beneficial solutions and resolve customer problems efficiently, enhancing client trust and satisfaction.
• Played critical role in minimizing risk by identifying and preventing potential fraudulent activities, safeguarding financial security of consumer accounts and personal information.
• Adhered to all regulatory compliance requirements as mandated by both internal and external regulators, ensuring bank’s operations met compliance standards and minimized risk exposure.
• Ensured confidentiality and privacy of safe deposit box access within vaults, reinforcing bank’s commitment to customer privacy and security.

ACCOMPLISHMENTS:

• Nominated to represent teller operations across district, engaging directly with district manager to address operational challenges and enhance service delivery.
• Recognized as top seller in Virginia for referrals to bankers during February and March of 2011, demonstrating exceptional performance in sales and customer engagement.