Shanda Douglas
Gibsonton
Summary
Dynamic and Results-Oriented Financial Service Professional with a record of excellence in all areas of Finance and Treasury Market, Auto Industry, Real Estate, and Credit Card (with formal credit training)supported by over 15+ years' experience. Extraordinary ability to lead, motivate, and train teams by example, to improve quality, deliver outstanding service, and ensure procedural compliance. Keen sense of urgency, investigative, strong negotiation skills, critical thinking, and active listening skills.
Overview
14
14
years of professional experience
Work History
Senior Claims Adjuster
Progressive Insurance
09.2023 - Current
- Investigate auto claims by conducting comprehensive interviews of witnesses and claimants to gather facts and information via recorded statements, accident scene investigations, obtaining and analyzing police reports, etc.
- Represent the company at arbitration hearings, mandatory settlement conferences, monitor trial results and attorneys.
- Maintain detailed records of all case-related activities, ensuring accurate documentation for auditing purposes and future reference.
- Manage a diverse caseload of property and casualty claims while maintaining strict adherence to state regulations and internal guidelines.
- Utilize strong negotiation skills to settle disputed liability cases in a fair and reasonable manner, ultimately minimizing company exposure to financial risk.
- Mitigate potential litigation risks through careful attention to detail in documenting evidence gathered during investigations and claim evaluations.
- Ensure regulatory compliance in all aspects of the auto claims process by staying up-to-date on industry laws and regulations.
Sr. Loan Processor
Lennar Corporation
05.2021 - 02.2022
- Process loan applications from initial set-up through funding, striving to obtain loan approvals within30 days of application date.
- Evaluated approvals against established bank and government lending standards.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Submit a document ready loan to the closing dept at least 48 hours prior to the scheduled closing date /time to accomplish a smooth closing
Senior Lending Specialist/Judgmental Credit Underwriter
J.P. Morgan Chase
06.2017 - 10.2018
- Carefully and consistently review, approve or decline credit applications with lending authority up to $100,000.00 that have been systematically declined or require further review
- Reviewed and interpreted credit reports to assess credit history/patterns and eligibility
- Evaluate financial information and risks prior to granting loans to businesses or individuals
- Analyze and review documentation related to consumer loan applications with an emphasis on accuracy, legitimacy, and completeness of required documentation (examine credit reports, bank statements, paystubs, tax returns, etc) to determine lending feasibility)
- Perform telephone interviews to develop a stronger credit card application by ask probing questions and developing the business needs; identifying which type of product will best suit their business needs
- Maintain a working knowledge of the analysis and judgmental decision process for credit card lending.
Mortgage Processor II/Jnr Underwriter
USAA
12.2014 - 06.2017
- Responsible for protecting and managing the assets entrusted by the organization through careful reviewed processing of multiple mortgage loan applications via Cadence/Encompass
- Processed routine to moderately complex conventional or VA mortgage loans according to product guidelines through validation of credit
- Maintained monthly average pipeline of 45-50 loans: exceeding departmental goals
- Reviewed and interpreted credit reports to assess credit history/patterns and eligibility
- Analyzed all pertinent financial documents(bank statments,paystubs, tax returns, ssi, profit and loss statements, 1099s, etc) and credit data (equifax, experian, transunion, D&B) to determine the acceptability of the loan risk for bank/investor policy ; consistently evaluating and assessing DTI/LTV
- Proficient with automated processing systems and data base platforms (DU) to determine final loan eligibility
Loss Mitigation Team Lead
J.P. Morgan Chase Home Lending
04.2010 - 07.2014
- Brought on board continually identify, develop, and maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
- Ensured that staff was motivated, monitored and measured in line with company targets and performance standards
- Responsible for making sure that any gaps in performance or quality are quickly identified and addressed
- Produced accurate reports on team performance for Senior Managers
- Assisted Manager with reports and training new hires to become acclimated with the loss mitigation guidelines, lending guidelines, phone etiquette, daily tracker, procedures, and other jobs related functions
- Maintained a pipeline of 150-200 files per month analyzing borrowers' requests for assistance which may include various workout options depending on the borrower's intent to retain or liquidate the property (Loan Modifications, Deed in Lieu, Short Sale, Repayment Plans, Foreclosure, Bankruptcy)
- Analyzed financial statements( bank statements, paystubs, ssi, profit and loss statments, tax returns), credit reports, BPO's and Appraisals in order to recommend the most appropriate workout alternative; ensure compliance with federal, state, and local laws governing mortgage banking
- Recommended /Relayed approval or denial correspondence to borrower; ensure system is properly updated for company and investor monthly reporting
- Corresponded directly with customers, brokers, title companies, personal bankers, and attorneys in order to facilitate delinquency resolution through Loss Mitigation, consultation, and collection efforts to avoid foreclosure.
SCRA COMPLIANCE AUDITOR
TRELIANT/USAA, Remote
12.2019 - 07.2020
- Recruited to conduct compliance loan file review analysis for Servicemembers Civil Relief Act (SCRA)protected accounts, including mortgages, consumer loans, and credit cards
- Maintain an understanding of SCRA and regulations along with being a subject matter expert while identifying and verifying exceptions within files, prepare reports and findings in a clear and concise manner
- Excellent written and verbal communication skills and working knowledge of laws and regulations governing consumer loans or residential mortgages.
- Compiled general ledger entries on short schedule with 100% accuracy.
- Partnered with auditors to track errors and add contributions to maintain accuracy.
Mortgage Due Diligence Auditor
Clayton Financial/Radian
08.2019 - 12.2019
- Completed detailed analysis to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses and products.
- Communicated negative findings to lines of business and supplied guidance on course of action.
- Examine mortgage loan documentation to ensure accuracy and completeness.
- Use supporting systems/user interfaces to review data and documentation comparisons.
- Complete a review and any necessary input of Loan Estimate and Closing Disclosure information, including any/all fees.
- Determine overall acceptability and documentation required for a loan package submission
- Provide detailed exception conditions needed from the client
- Inform the originating Correspondent of any findings through detailing the deficiencies in the review with conditions loaded in the operating system as prior to purchase condition
Education
Bachelor of Science - Psychology
Florida Agricultural And Mechanical University
Tallahassee, FL05.2025
Associate of Arts - Political Science
HILLSBOROUGH COMMUNITY COLLEGE
Tampa, FL05.2023
Skills
- Analytical and Critical Thinking
- NMLS Registration
- Credit Limit Establishment
- Legal Compliance
- Financial Document Review
- Government Standards
- Lending Software Systems
- Legal Documentation
- Underwriting Collaboration
- Consumer Loan Underwriting
- Loan Origination and Underwriting
- Risk Mitigation
Timeline
Senior Claims Adjuster
Progressive Insurance
09.2023 - Current
Sr. Loan Processor
Lennar Corporation
05.2021 - 02.2022
SCRA COMPLIANCE AUDITOR
TRELIANT/USAA, Remote
12.2019 - 07.2020
Mortgage Due Diligence Auditor
Clayton Financial/Radian
08.2019 - 12.2019
Senior Lending Specialist/Judgmental Credit Underwriter
J.P. Morgan Chase
06.2017 - 10.2018
Mortgage Processor II/Jnr Underwriter
USAA
12.2014 - 06.2017
Loss Mitigation Team Lead
J.P. Morgan Chase Home Lending
04.2010 - 07.2014
Bachelor of Science - Psychology
Florida Agricultural And Mechanical University
Associate of Arts - Political Science
HILLSBOROUGH COMMUNITY COLLEGE
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