ERNESTO CRUZ

510-***-****

acn16z@r.postjobfree.com

**/****- ******* ***** ********* Life. (San Diego, CA)

Life and Health Insurance Sales Agent

- Certified in AHIP (American Health Insurance Plan) that sells

Medicare Advantage or Medicare Supplements to seniors 65 and above.

- Do Presentations about Life Insurance such as IUL (Index Universal Life) Term Life Policies, and Single Whole Life Premium.

- Re-examine financial Statements of clients that may entitle them for Medicare/Medical Benefits.

- Gather and Package files to different Carriers for processing.

06/2009-09/2012 Source Corp. Assign to Veterans Health Administration (Menlo Park, CA)

Contract Price Analyst/Workman’s Compensation.

• Compute and analyze the reimbursement paid as dictated by the contract between VA and different Insurance Carrier i.e. AETNA, BLUE CROSS BLUE SHIELD, UNITED HEALTH CARE AND CIGNA.

• Discuss and evaluate with team leaders with regards to correspondence received regarding modified pricing sent by different Insurance Carriers.

• Research and Review disputed amount of reimbursement and file claims for any short or insufficient payments.

• Set up initial interview over the phone for Veteran’s claiming Workman’s Compensation.

• Evaluate with In house Counsel about Veteran’s long term workman’s compensation case.

11/2008- 06/2009 Farmers Insurance (San Mateo, CA)

Property & Casualty and Life Agent

• Originate and book new business= 10 life Insurance and 10 Medical Insurance Policies and 40 Fire and Auto Policies.

• Provide assistance to customers regarding their billing statement, policy coverage and claims investigation.

• Take notes and investigate how accident happened and as to who is more negligent or at fault and then refer to central claims division for further processing.

• Solicit new leads though mails, internet, networking presentation.

• Pre underwrites policies and explain to customers the contract coverage of their dwelling, contents, auto, boat and other items, subject to final approval of the underwriter.

06/2003– 10/2008 Downey Savings and Loan (Fremont, CA.)

Residential Home Loan Officer

• Originate and funds Residential Loans ranging from conventional conforming amount from $417,000 to $1,500,000 jumbo loan.

• Pre-underwrites, calculate and gather necessary documentations and work with underwriters and processor for smooth approval and funding within the prescribed time given.

• Maintain existing clients and develop and new business client as dictated by the bank’s requirement.

• Negotiate with customer for the amount needed if exceeded lending guidelines.

• Review of full disclosure reports, home inspectors, escrows & lawyers.

• Work with mortgage brokers, lenders and appraisers.

1/2001 – 02/2003 Countrywide Home Loans (South San Francisco, CA.)

Underwriter

• Underwrite Loans submitted on the pipeline and qualify them within the parameters of different programs best suited for their financial qualifications.

• Run D.U. on FNMA conventional loans and manually approving it after putting conditions on the loan. Review appraisal for accuracy of value and condition of the property.

• Review and prioritize purchase contract based on the following factors; close of escrow, down payment, documents needed to support the loan and appraisal of the property.

• Examine and sign off final conditions of loan prior to set-up for funding instructions.

06/1994- 01/1998 Hospital Correspondence Corporation (Milpitas, CA.)

Fraud Claims Supervisor/Site Manager.

• Responsible for Reviewing, Handling the operation and collecting revenues for all copies made of medical records requested by different entities such as different Insurance companies i.e. AETNA, BLUE CROSS, Law offices, Government entities, Doctor’s offices and others.

• Appears in Small claims court to collect the fees due to the company being contested or disputed by different Clients.

• Call and collect receivables from Different Insurance Companies such as AETNA, HEALTH NET and others for the request the made in copying medical records.

• Work directly with Medical Records Manager for smooth transition of work.

• Issue credit memos and collection notices for the speedy recovery of money withheld.

• Investigate and follow-up disputes regarding copied documents.

12/1985-06/1994 Citicorp Credit Services (San Mateo, CA.)

Collection Manager

• Managed 90 days account past due accounts prior to referral to Attorney’s office.

• Investigate Card charges for Possible Kiting Activities prior filing bankruptcy.

• Coordinate with other banks for fraudulent activities by same petitioner.

• Attend Creditors Meeting in the court house.

• Work closely with our in house Attorney in case with file adversary proceeding against petition.

• Work out payment structure/plan to reinstate or reaffirm debt.

• Offer settlement to clients or his/her Attorney before referring it for possible adversary procedure.

Honors and Awards:

• Presidential Club Awardees for 2005, 2006 & 2007

• Top Regional Producer for Downey Savings in 2005 (6x)

• Top Regional Producer for Downey Savings in 2006 (3x)

• Top Regional Producer for Downey Savings in 2007

Education:

• Polytechnic University of the Philippines, Manila Philippines with a major in B.S. Finance.

Continuing Education:

• Silicon Valley Law School

• CAL STATE East Bay-Certified Paralegal.

• Allied Real Estate School, Laguna Niguel, CA.

License in Real Estate

• Quick Learning School, San Jose, CA.

License in Fire and Casualty Insurance

Life, Health and Accidental Insurance

REFERENCES: Available upon request.

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