Vernon Jenkins
Dallas,TX
Summary
Detail-oriented Insurance Professional experienced in underwriting operations, risk assessment, and policy analysis. Achieved effective collaboration with internal teams and maintained data integrity to support underwriting decisions. Focused on delivering results through strong analytical skills and adaptability to changing needs.
Overview
13
13
years of professional experience
Work History
Underwriter
State Farm
Richards, TX
06.2022 - Current
- Evaluated complex auto insurance risks by reviewing driver history, vehicle information, and prior loss experience to support consistent and profitable underwriting decisions.
- Balanced risk exposure with customer needs by identifying coverage solutions that maintained underwriting quality and efficiency.
- Built trusted relationships with agents and internal business partners, providing underwriting guidance and resolving policy issues to support a seamless customer experience.
- Monitored loss trends and underwriting performance to identify emerging risks and support continuous process improvements.
- Collaborated with agents to clarify applicant information and resolve discrepancies effectively.
- Led initiatives to streamline workflows, implementing new software tools to enhance application processing time.
- Advanced from an Initial Loss Reporting (ILR) position to Auto Underwriter after demonstrating strong analytical skills, sound judgment, and the ability to manage high-volume workloads.
Loan Advisor II
Bridgecrest
03.2018 - Current
- Advised clients on loan options and eligibility requirements to streamline application processes.
- Evaluated financial documents and credit reports to ensure compliance with lending regulations.
- Facilitated successful loan closures by managing client relationships throughout application process.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Managed high-volume customer interactions while resolving account inquiries.
- Improved customer satisfaction by providing timely responses to inquiries and resolving issues.
- Collected delinquent payments through effective negotiation and communication.
- Trained new employees and served as a resource for escalated issues.
- Maintained compliance with company policies and procedures.
Client Account Representative
Ditech Financial
10.2015 - 11.2017
- Guided customers through repayment options, ensuring understanding and adherence to regulatory compliance.
- Met monthly performance targets by providing exceptional customer service, enhancing client satisfaction. through strong customer service.
- Assisted borrowers in resolving delinquent mortgage accounts, fostering positive relationships.
- Managed client relationships to ensure satisfaction and retention.
- Managed accounts receivable, ensuring timely collections and reducing outstanding balances.
- Increased efficiency in the collections process through regular monitoring and analysis of outstanding accounts.
- Worked closely with the collections department to resolve delinquent accounts while maintaining positive customer relationships.
- Efficiently managed loan portfolio risk assessment timely collections reducing potential losses non-performing loans.
- Assisted in training new team members on company policies, procedures, and collections software tools.
Patient Account Representative
HCFS Inc.
06.2013 - 10.2015
- Reviewed insurance eligibility and verified coverage details to minimize claim denials and delays in payment.
- Collaborated with outside entities to address and resolve billing, claims, and payment issues, ensuring timely reimbursements.
- Maintained accurate account documentation and coordinated with third-party payers.
- Facilitated financial assistance applications and benefit program enrollment for patients, enhancing access to necessary services.
- Performed regular audits of patient accounts to identify discrepancies and rectify errors, maintaining account accuracy and compliance.
- Trained new team members on protocols for managing patient accounts and documentation practices.
- Conducted compliance audits to ensure adherence to regulatory standards and internal policies.
- Analyzed regulatory changes to assess impact on organizational operations and compliance strategies.
Education
High School Diploma - General Studies
Carman-Ainsworth High School
Flint, MichiganSkills
- Underwriting Support
- Risk Assessment
- Policy Review
- Loan Processing
- Coverage & Liability Reviews
- Quality Assurance
- Risk Management
- Data Integrity
- Data analysis
- Market Analysis
- Analytical Thinking
- Attention to Detail
- Problem Solving
- Time Management
- Client Relations
- Communication
- Data analysis
Timeline
Underwriter
State Farm
06.2022 - Current
Loan Advisor II
Bridgecrest
03.2018 - Current
Client Account Representative
Ditech Financial
10.2015 - 11.2017
Patient Account Representative
HCFS Inc.
06.2013 - 10.2015
High School Diploma - General Studies
Carman-Ainsworth High School