THOMAS CARON
Bonita Springs,FL
Summary
Dynamic insurance professional with a proven track record at Goosehead Insurance Agency, excelling in business strategy and customer service excellence. Skilled in risk analysis and marketing campaigns, I drive growth through innovative solutions and strong client relationships, ensuring compliance and operational efficiency. Passionate about delivering exceptional results and fostering team collaboration.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Owner
Goosehead Insurance Agency
Naples, FL
04.2025 - Current
- Developed business strategies to enhance customer engagement and loyalty.
- Managed daily operations to ensure efficient service delivery.
- Implemented marketing campaigns to increase brand visibility and sales.
- Established vendor relationships to ensure quality product supply.
- Coordinated financial planning and budgeting for sustainable growth.
- Maintained relationships with existing clients by providing superior customer service.
- Ensured compliance with local, state, and federal regulations.
- Oversaw budgeting and financial management.
- Promoted business on social media platforms to maximize brand identity and generate revenue.
- Created marketing campaigns to attract new customers.
Insurance Agent
State Farm - Rich Mathews Agency
Estero, Florida
01.2023 - 03.2025
- Hold 220 Agent license and 214 Life license.
- Educated customers on the importance of maintaining adequate insurance coverage.
- Prepared documents such as applications, endorsements, renewals, cancellations, or other forms required by law or company procedures.
- Utilized mortgage underwriting expertise to enhance policy accuracy.
- Advised clients on insurance options and coverage tailored to needs.
- Developed and maintained strong relationships with clients for retention.
- Trained new agents on products, procedures, and customer service standards.
Senior Underwriter/Team Lead
Proper Rate
Remote, FL
03.2020 - 10.2022
- FHA, USDA, Jumbo, Manual, Conventional, Non-QM
- Evaluated loan applications for compliance with underwriting guidelines.
- Analyzed credit reports to assess borrower risk levels.
- Collaborated with loan officers to clarify borrower information.
- Reviewed property appraisals for accuracy and value determination.
- Provided training and mentorship to junior underwriters on policies.
- Developed underwriting strategies to enhance workflow efficiency.
- Resolved complex underwriting issues through effective communication.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Signing authority $5,000,000
Senior Mortgage Underwriter
Paramount Bank
St Louis, Missouri
09.2019 - 03.2020
- Analyzed mortgage applications for risk assessment and compliance with guidelines.
- Reviewed credit reports and financial documents for accuracy and completeness.
- Liaised with lenders, appraisers, and other third parties to communicate needs and requirements.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Addressed and resolved underwriting discrepancies and sought additional information as needed.
- Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
- Continuously improved underwriting processes through feedback and identification of efficiency gains.
Senior DE Underwriter
Crosscountry Mortgage
Chicago, Illinois
05.2018 - 09.2019
- Identified discrepancies between application documents and underlying property records.
- Maintained up-to-date knowledge of industry regulations, legislation and best practices related to DE Underwriting.
- Managed a pipeline of DE Underwriting requests within established turnaround times.
- Verified employment status, income sources, debt ratios, credit scores and other key elements of a mortgage application.
- Assessed the value of collateral securing a loan based on market trends and comparable sales data.
- Collaborated with team members on special projects designed to improve processes or increase efficiency levels.
- Participated in weekly meetings with senior staff members to discuss current projects.
- Conducted detailed risk analysis on loan applications to determine whether to approve, deny, or counteroffer credit.
- Researched potential problem loans in order to identify any issues that could jeopardize the closing process.
Senior DE Underwriter
Guaranteed Rate
Chicago, Illinois
01.2009 - 05.2018
- Compiled reports summarizing findings from underwriting reviews for management review.
- Evaluated borrower's financial statements including income, assets, liabilities, and other factors such as credit history.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Approved or denied loan applications and explained reasoning behind decisions.
- Collaborated with company teams to expedite loan approval processes.
- Stayed abreast of lending regulations, industry trends and market rates.
- Analyzed credit reports to determine borrower eligibility for loan approval.
Underwriter
Washington Mutual
Oak Park, Illinois
03.2003 - 01.2009
- Analyzed financial documents and reports for underwriting assessments.
- Reviewed policy guidelines to ensure compliance with company standards.
- Conducted risk assessments using industry software and analytical tools.
- Maintained accurate records of applications and underwriting decisions in databases.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
Underwriting Customer Service
AIG Insurance
Oak Park, Illinois
08.2001 - 02.2003
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Identified needs of customers promptly and efficiently.
- Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
- Utilized various software and tools to streamline processes and optimize performance.
- Conducted comprehensive research and data analysis to support strategic planning and informed decision-making.
Loan Processor
Bank of Illinois
Normal, Illinois
12.1999 - 08.2001
- Processed loan applications ensuring compliance with regulations and company policies.
- Coordinated communication between clients, lenders, and real estate agents.
- Managed loan documentation including disclosures and closing paperwork.
- Assisted clients in understanding loan terms and conditions throughout the process.
- Maintained organized records of loan files for audit purposes and future reference.
- Submitted loan applications to underwriting department for review and approval process.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
Bank Teller
Chase
Lake Zurich, Illinois
01.1998 - 10.1999
- Processed customer transactions accurately and efficiently.
- Assisted customers with account inquiries and service requests.
- Handled cash deposits, withdrawals, and check cashing transactions.
- Maintained compliance with banking regulations and internal policies.
- Educated customers on banking products and services available.
- Balanced cash drawer at the end of each shift diligently.
- Resolved customer issues and concerns promptly and professionally.
- Handled large sums of money with accuracy while maintaining appropriate levels of security.
Education
Bachelor of Arts - Business Administration
Illinois State University
Normal, IL08-2001
High School -
Lake Zurich HS
Illinois01.1997
Skills
- Business strategy and financial management
- Marketing strategy
- Customer service excellence
- Regulatory compliance
- Risk analysis
- Marketing campaigns
- Training development
- Communication skills
- Analytical thinking
- Time management
- Problem solving
- Leadership qualities
- Team collaboration
- Sales leadership
- Profit and loss analysis
- Strategic planning
- Small business operations
References
- Drew Boland - Proper Rate
- Kim Sikes - Proper Rate
- Andrea Ward - Paramount Bank
- Jackie Beavers - Proper Rate
Volunteer Experience
Currently a volunteer with the Big Brother program, mentoring a 16-year-old whom I've worked with since he was 11., This experience has been one of the most meaningful aspects of my life.
Social Groups
- Delta Chi fraternity, Taught the value of teamwork and the importance of collaboration over individualism.
- Knights of Columbus, Gained first exposure to volunteer work, participating in collaborations with the Special Olympics.
Certification
- 220
- 214
- DE
Timeline
Owner
Goosehead Insurance Agency
04.2025 - Current
Insurance Agent
State Farm - Rich Mathews Agency
01.2023 - 03.2025
Senior Underwriter/Team Lead
Proper Rate
03.2020 - 10.2022
Senior Mortgage Underwriter
Paramount Bank
09.2019 - 03.2020
Senior DE Underwriter
Crosscountry Mortgage
05.2018 - 09.2019
Senior DE Underwriter
Guaranteed Rate
01.2009 - 05.2018
Underwriter
Washington Mutual
03.2003 - 01.2009
Underwriting Customer Service
AIG Insurance
08.2001 - 02.2003
Loan Processor
Bank of Illinois
12.1999 - 08.2001
Bank Teller
Chase
01.1998 - 10.1999
Bachelor of Arts - Business Administration
Illinois State University
High School -
Lake Zurich HS
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