Hi, I’m
Shannon Mosier
New Braunfels,TX
The way to get started is to quit talking and begin doing.
Walt Disney
Summary
Self-motivated and detail-oriented Consumer Loan Underwriter with special talent for building strong rapport and dynamic business relationships. Effective communicator with over 7 years of experience successfully managing several projects simultaneously while executing performance well under pressure.
Overview
10
years of professional experience
5
years of post-secondary education
Work History
Unitus Community Credit UnionPortland, OR
Consumer loan Underwriter (Remote)
12.2020 - Current
Job overview
- Reduced workflow process gaps by mentoring new and seasoned employees on best practices and protocols and advising junior underwriters to maintain optimal productivity.
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
- Studied applicant profiles and credit histories while identifying loan approval contingencies to deliver efficient pricing initiatives.
- Approved, declined or counter-offered loans up to $100k.
- Retained clients by establishing rapport and relationships delivering successful user experiences.
- Elevated customer satisfaction ratings by managing issues for speedy resolution.
Unitus Community Credit UnionPortland, Oregon
Consumer Loan processor
12.2017 - 11.2020
Job overview
- Gather required information needed to pursue the loan, explain loan products, rates, terms, and collateral requirements
- Evaluate member’s needs based on information provided and pro-actively provides appropriate solutions, including the cross sales of credit union products and services such as Loan Debt Protection and GAP Protection
- Verify documentation, income and ensures loan applications are processed in a timely manner consistent with service expectations and State, federal and Credit Union policies/guidelines
- Identifies and corrects errors, including follow up with members, Loan Operations, Loan Servicing, Oregon DMV & Washington DOL, and external partners
- Entrusted with employee account access and loan processing.
- Provided quick turnaround times to maintain fast-past schedule.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Pioneer Services Military LoansLas Vegas, NV
Collections Specialist
05.2016 - 11.2017
Job overview
- Working directly with all branches of the military to give impeccable customer service to our men and women in uniform with respect and urgency in making payments to their loan
- Making outbound and receiving inbound calls in upwards of 75 accounts a day
- Leaving professional and urgent messages in attempt to gain account resolution
- Initiates telephone and/or email contact with internal & external customers with amounts past due, determining reason and arranging for collection or adjustment to correct errors in accounts, negotiates payment plans with customers; follows guidelines for follow-up on payment plans
- Familiar with FDCPA guidelines
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Trained new team members on scripts, company services and collection strategies.
Waste ManagementPhoenix, AZ
Commercial/Government accounts Collector
04.2014 - 04.2016
Job overview
- 10 key, Microsoft excel, office and PowerPoint, 40 wpm, Answering inbound calls from customers, Making out bound collection calls, Filing, working multiple accounts, Training new hires, Moving money from account to account, Mailed out invoices, Managed accounts 30-120 days past due, making 80-100 calls a day
- Kept company-sensitive documents secure.
- Initiates telephone and/or email contact with internal & external customers with amounts past due, determining reason and arranging for collection or adjustment to correct errors in accounts, Negotiates payment plans with customers; follows guidelines for follow-up on payment plans, Reviews deadlines for collection action events, initiates collection activities, Resolves collection disputes; makes inquiries, researches, and communicates with internal and external customers
- Performs severance activities after approvals; stop service, cancellation & container removal, maintains records of all delinquent accounts by logging collection notes and dispositioning the Dialer with each contact, Perform write-offs
- Process payments and recoveries, interacts with first party and third party collection agencies if necessary, Works with customers in bankruptcy; follows procedures for recording and monitoring bankruptcies, Handle telephone inquiries from customers.
- Performed research on computer systems and documented current status, payment expectations, notes of conversations and other relevant information.
Discover CardPhoenix, AZ
Fraud Investigation Specialist
04.2012 - 04.2014
Job overview
- Conducting inbound and outbound 40-50 calls daily to verify suspicious account activity, shut down accounts with fraud, inform customers of fraud process, and address security concerns through click to chat
- Working on dual screens, 6-8 application and systems
- Submitted chargebacks and follow up with the merchant
- Defused volatile customer situations calmly and courteously
- Accurately documented, researched and resolved customer service issues
- Resolved service, pricing, and technical problems for customers by asking clear and specific questions
- Referred unresolved customer grievances to designated departments for further investigation
- Determine charges for services requested, collect deposits or payments, and refer unresolved customer grievances to designated departments
Education
Remington CollegeColorado Springs, CO
Technical from Pharmacy Technician
05.2009 - 05.2010
Victor Valley High SchoolVictorville
High School Diploma
09.1999 - 06.2003
Skills
Risk Assessments
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Consumer loan Underwriter (Remote)
Unitus Community Credit Union
12.2020 - Current
Consumer Loan processor
Unitus Community Credit Union
12.2017 - 11.2020
Collections Specialist
Pioneer Services Military Loans
05.2016 - 11.2017
Commercial/Government accounts Collector
Waste Management
04.2014 - 04.2016
Fraud Investigation Specialist
Discover Card
04.2012 - 04.2014
Remington College
Technical from Pharmacy Technician
05.2009 - 05.2010
Victor Valley High School
High School Diploma
09.1999 - 06.2003
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