CHRISTINE A.CAVAZOS

SUMMARY

Licensed Professional with over 20 years experience in the insurance and financial industry with underwriting, sales, management, and analysis, for compliance with policies, procedures, and guidelines for numerous companies and carriers. Desire to obtain a challenging Senior Level position which would better utilitze my skills and experience in the management field, in order to further the growth objectives of the organization.

PROFESSIONAL EXPERIENCE

NAA

Remote Senior Underwriter

12/2012 – Present

Underwrite, review, and analyze life, mortgage insurance, and disability insurance policies

Review and monitor new agents applications prior to submission

Verify applications written per policy guidelines and state regulations

Excellent communication skills agents for quality control, performance, training, and assistance with clients or carrier intervention

Complete weekly reports for Utilization, Forecasting, Management, and E&O

Proficient in various carriers Intra-systems; Forecasting/ Management; State regulations/Guidelines; MIB reports; Business Analysis; and Microsoft Applications

Effective October 2013 - As an Underwriter: Responsiblities include reviewing and analyzing applications and endorsements; apply dividends/rates to ensure safe profitable distribution of risks per assessments

Final decision to approve, postpone, or decline application

Review, analyze, and order (if not already obtained) application, agents comments, APS, MIB, MVR, Credit Report, Full-labs, tele-interview, etc.

Excellent written and verbal communication skills that work efficiently with management, agents, clerical staff

Analyzed complex applications to determine if applicant qualified through Munich or Swiss Re (reinsurer companies)

LOA $1,500,000; Proficient in utilizing dual monitors; Citrix Systems; HO Web Advisor; On Base Docs; Aura UW Workbench; Unity Client Procedures; MIB; SwisRe; Munich; and all Microsoft applications (i.e. Outlook, Excel, OneNotes, PowerPoint)

PHH Mortgage Corporation & Contractor

Remote Senior Underwriter Level III

12/2010-12/2012

Responsible to review and analyze mortgage loans processed through MRN Mortgage Services to verify loan is saleable and in compliance per lender guidelines

HARP Specialist - streamline, refinance, & purchase

MI Specialist – verifying all guidelines are being met per lender requirements Underwriter FNMA, FHLMC, Conventional, Conforming & non-conforming loan LOA $750,000

Remote position constant communication loan processor, supervisor, and loan originator

Reviewed and analyzed credit, income, and assets to determine credit worthiness of borrowers

Analyzed complex loan documentation (appraisal reports, compliance inspections reports, credit reports, job verifications, financial statements, & tax returns) to evaluate property

Thorough knowledge in Overlays

Decision to approve, suspend, declination (or possible counteroffer)

Proficient in DU/LP; CASH/DOS; ALL Regs/Guidelines; LexisNexis ; Data Alert; Cash Flow Analysis; and Microsoft Outlook, Excel, Notes

SCI/Hispana Corporation

Regional Sales Manager

09/2009-12/2010

Manage forty-five FSC’s (family service counselor) at fifteen locations in San Antonio, New Braunfels, and throughout the Texas Southwest Region

Responsible to recruit, hire, coach, train, and mentor FSC’s to sell funeral services

Responsibilities included marketing SCI products and services; weekly sales reports; bi-weekly timesheets; weekly employee reports; monthly employee evaluation reports; quarterly performance reviews to determine bonus

Assured compliance to standards, policies, procedures, and guidelines

Increased sales performance and FSC’s retention by developing, marketing, and implementing new campaigns that would offer huge incentives & mentoring programs

Coordinated work schedules and managed staffing needs to provide appropriate operational support at all times

Developed new scheduling methods that motivated team moral and increased retention.

Washington Mutual (WAMU)

Mortgage Underwriter III

04/2001-09/2009

Reviewed and analyzed FNMA, FHLMC, Conventional, Conforming and non-conforming mortgage loans

Evaluated credit history, employment, and financial status to determine credit worthiness in compliance with the guidelines

Analyze supporting docs such as inspections and appraisals

Knowledge in investor overlay and researching such guidelines

Knowledge to include the research and rebuttal process

Responsible to oversee that processing and funding of loans were completed accurately and in a timely fashion

LOA $750,000; Proficient in AU, DU, LP, DOS, LexisNexis, Microsoft applications to include Outlook, Excel, Word, Power Point, and all of WAMU’s integrated systems: Index, Search & CSS

USAA

Senior Insurance Advocate

11/1993-04/2001

Sold and serviced USAA members variety of USAA products to include Personal lines and commercial lines of Automobile, Renters/Homeowners, PAFloaters, Umbrella, Business Owner’s Policy, & Healthcare coverage with numerous providers to include Blue Cross Blue Shield, Humana, Cigna, United Health One, and many others that were offered

Verified members needs and eligibility with various subsidiary companies

Reviewed the file in a timely manner and completed a pre-qualification form

Verified all underwriting conditions were met prior to approval of issued policies

Skilled with the review and process of complex policies

Strong written, verbal, oral skills and organizational skills; analyzed and verified that all documentation was complete and accurate, ensuring that documents were in compliance

Proficient in USAA systems to include: Image; Index; UW Review; Triple System Archive; Microsoft Outlook, Word, & Excel

EDUCATION/ LICENSES/ORGANIZATIONS

Dignity University – BA Degree Business Management (SCI Non-accredited)

San Antonio College

Thomas Jefferson High – HS Diploma

ITV License

Group I License

Texas Agents P&C License

FMLI Degisgnation

San Antonio Women’s Chamber of Commerce

San Antonio LULAC Council #4558

CRE HOA Social Committee President

Volunteer Edge Youth Coordinator

Volunteer Coordinator SOMH Holy Trinity Church

Volunteer Coordinator Assistant at the Haven

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