Yolanda Harmon
Lawrenceville,GA
Summary
Seasoned Claims Adjuster with 6 years of experience in property claims, loss mitigation, and customer service. Skilled in investigating and settling total loss claims, managing delinquent accounts, and ensuring compliance with insurance regulations. Seeking a Claims Adjuster role to leverage expertise in claim evaluation, negotiation, and customer resolution.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Property Claims Adjuster-Total Loss
State Farm Mutual Automobile Insurance Company
05.2023 - 02.2024
- Investigated and evaluated total loss claims to ensure adherence to insurance policies and regulatory requirements
- Accurately assessed coverage, liability, and damages, employing insurance protocols knowledge and negotiating settlements
- Provided exceptional customer service and maintained clear communication in a fast-paced call center environment, managing various priorities.
- Exercised proper judgment and decision making to analyze over 50 claims per week.
- Enhanced customer satisfaction with prompt communication and consistent follow-up on claim status updates.
- Collaborated with contractors to verify repair estimates, ensuring fair settlements for both policyholders and company.
- Assisted policyholders with understanding their coverage, providing clear explanations on policy terms and conditions throughout the claims process.
- Negotiated claim settlements and recommended litigation when claims could not be settled.
Loss Mitigation Specialist
Crescent Bank
09.2022 - 05.2023
- Conduct borrower financial assessments to determine customized loan repayment strategies and reduce the risk of defaults
- Monitor collections and set specific targets to improve the performance of delinquent accounts
- Support team members in locating assets and enforcing the collection of auto loan payments and associated fees through skip tracing activities.
- Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plans.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Reduced delinquency rates by implementing effective loss mitigation strategies and closely monitoring portfolio performance.
Post Closing Specialist
Vylla Title
01.2022 - 07.2022
- Analyzed closed loan packages to ensure compliance with industry standards and verified adherence to key metrics
- Assessed loan documents for accuracy, ensuring correct completion by both borrowers and notaries
- Addressed and rectified recording and disbursement discrepancies, contributing to prompt and precise finalization of loan files.
- Improved workflow efficiency by training new team members on post-closing procedures and best practices.
- Efficiently managed multiple priorities while maintaining strict attention to detail during time-sensitive deadlines for loan closings.
- Expedited funding disbursements by effectively coordinating with escrow agents and attorneys.
- Proactively identified potential obstacles within the post-closing process, recommending solutions or alternative approaches when needed.
- Collaborated with various departments to ensure all necessary documents were obtained for successful loan closings.
- Kept detailed records of all post-closing activities, providing accurate and up-to-date information for management reporting purposes.
- Checked accuracy and completeness of all paperwork.
Customer Service Representative
Mindlance/Cigna-HealthSpring
Remote
07.2021 - 01.2022
- Provided comprehensive customer support by effectively handling phone and email inquiries, offering precise details about benefits, eligibility, and account specifics
- Enhanced member and provider relations by coordinating communication efforts, ensuring clarity on claims, physician options, and benefit information
- Addressed and resolved customer issues with empathy and efficiency, prioritizing swift solutions to maintain and elevate customer satisfaction levels.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
- Fostered a customer-centric culture within the team by consistently reinforcing the importance of empathy, understanding, and patience in all interactions with clients.
Mortgage Title Analyst
MphasiS/Chase
12.2020 - 05.2021
- Oversaw the meticulous review of property titles and related documentation, ensuring timely processing in alignment with service level agreements
- Conducted comprehensive validation of loan notes and statuses within client portfolios, ensuring precision and completeness to support seamless real estate transactions
- Collaborated with title companies and internal teams to rectify title document inconsistencies, upholding strict adherence to regulatory and company standards.
- Abstracted information on deeds, mortgages, estates and liens to provide information to title insurance companies.
- Navigated through complex legal challenges related to easements or encroachments when drafting final reports.
- Provided support to colleagues during periods of high workload, ensuring consistent service levels for clients.
- Prepared detailed reports on title findings for client review, presenting clear information and recommendations for action steps.
- Examined documentation such as mortgages, liens and contracts to verify factors such as property legal descriptions and restrictions.
- Researched and drafted detailed property portfolios regarding subject properties, identifying chain of title issues, current statuses, and defects in title.
- Searched multiple public and private land records throughout various county systems to abstract key information pertaining to specific properties.
- Coordinated closely with surveyors to obtain necessary documentation for accurate boundary determination.
Loss Mitigation Supervisor
C.I.S.C.O.
01.2017 - 03.2020
- Provided leadership and guidance to associates, ensuring clear communication of team and organizational goals to enhance performance
- Developed and delivered training programs for employees, fostering skill advancement and achievement of performance metrics
- Collaborated with financial institutions to facilitate optimal solutions for account recovery and loss mitigation
- Managed the daily operations and performance of a team of loss mitigation specialists, focusing on efficiency and productivity
- Resolved high-level customer inquiries and issues related to short sales, loan modifications, and repayment plans, ensuring customer satisfaction and compliance.
- Managed a team of loss mitigation specialists, ensuring adherence to regulatory requirements and company policies.
- Demonstrated expertise in various loss mitigation options, including loan modifications, forbearance agreements, short sales, and deed-in-lieu transactions.
- Evaluated borrower eligibility for appropriate workout solutions based on established criteria and guidelines from investors or insurers.
- Provided ongoing training for team members, ensuring consistent application of industry regulations and company policies.
Education
Accounting
Texas Southern University
Houston, TXMedical Billing And Coding
Sanford Brown College
Houston, TX08.2009
Skills
- Microsoft Office
- Teaching
- Customer Service
- Mortgage Servicing
- Administrative Experience
- Title Processing
- Hipaa
- CPT Coding
- ICD Coding
- Supervising Experience
- Medical Billing
- Icd-10
- Microsoft Excel
- Fair Housing Regulations
- Medical Coding
- Accounts Receivable
- 10 Key Calculator
- Medical Records
- Management
- Microsoft Access
- Accounts Payable
- Training & Development
- Conflict Management
- Medical Terminology
- Data Collection
- Classroom Experience
- Classroom Management
- Leadership
- Sales
- Analysis Skills
- Computer Skills
- Communication Skills
- Negotiation
- Cold Calling
- Financial Services
- Fraud Prevention and Detection
- Math
- Tutoring
- Workday
- Banking
- Clinic
- Account Reconciliation
Certification
- Property & Casualty License, NPN 20804730 06/01/23
- Certified Notary Public, 08/01/22
Timeline
Property Claims Adjuster-Total Loss
State Farm Mutual Automobile Insurance Company
05.2023 - 02.2024
Loss Mitigation Specialist
Crescent Bank
09.2022 - 05.2023
Post Closing Specialist
Vylla Title
01.2022 - 07.2022
Customer Service Representative
Mindlance/Cigna-HealthSpring
07.2021 - 01.2022
Mortgage Title Analyst
MphasiS/Chase
12.2020 - 05.2021
Loss Mitigation Supervisor
C.I.S.C.O.
01.2017 - 03.2020
Accounting
Texas Southern University
Medical Billing And Coding
Sanford Brown College