**** *. ****** ***** ***, Gilbert AZ 85296
Date of birth 1989-01-16
Driven and dedicated professional with insurance leadership background. Demonstrated track record of maximizing customer service opportunities and consistently exceeds performance goals. Accomplished in identifying opportunities to improve profitability and avoid adverse selections in products.
Adept at working in fast paced environments, employing strong organizational skills with attention to details, and cultivating a company culture in which team members feel comfortable voicing questions and concerns as well as contributing new ideas that drive company growth.
2017-08 - present Loan Analyst/ Underwriter
Mortgage One, Inc
Analyze applicants' financial status, credit, and property evaluations to determine loan feasibility.
Develop/create reports and Excel spreadsheets to enhance streamlined process, reduce errors and increase efficiency.
Collect and analyze data from borrowers, negotiating terms and conditions of loans.
Assembles reports by compiling, formatting and summarizing loans for approval.
Perform rigorous quality assurance: Reconcile loan documents and internal system data for completeness and accuracy. Facilitate resolution of discrepancies with sales and Underwriting.
Design specifications for database systems. Provide update, prepare required reports, evaluate loan
applications and perform credit review on regular basis.
Evaluate documents, assist in closing of all process as well as managing loan portfolios to ensure accuracy of information.
Manage underwriting queries from processors and loan officers and perform final checks prior approval.
Prepare reports, manage all pipeline clients and coordinate with underwriting leaders to facilitate loan decisions.
Develop reporting from a variety of data sources including, Excel, Access, SQL.
2016-01 - 2017-08 Personal Line Underwriter/ Team Resource
State Farm Insurance
Make pricing recommendations to meet financial and marketing objectives.
Support achievement of consistent and profitable growth by focusing on quality underwriting, proper pricing and classification, and operational excellence.
Manage a personal line book of business with risks ranging from condominium, renters, manufactured homes,
personal articles and residential homes.
Consistently demonstrate knowledge of procedural and processing changes, take action to improve work processes, maintains attention to detail and commit to high standard of work product. As a result, driving individual and team productivity up and was selected as team resource to the Personal Line Underwriting department.
Select effective approaches to solving issues based on available information and business objectives and
perceive the implications of decisions.
Effectively work toward common goals by supporting, encouraging, and sharing best practices with colleagues.
Identify all issues in team and provide continuous support to all members according to operating standards, underwriting manual.
Supervise and manage workflow and prepare effective production schedules to ensure compliance to all
company policies and conform with service level objectives.
Manage and prioritize all production processes and implement training plans.
Conduct side-by-side, virtual training sessions, monthly Q&A, and compile training materials to enhance team productivity, and identify training opportunities for individuals.
Develop department’s Q&A forum motivating staff to submit questions, in return resulted in increased quality
results, and consistency in questions answered.
Presented with State Farm’s Innovation Central, and On-The-Spot awards
Implemented buddy backup system to reduce the number of escalated application that require management approval and encourage individual accountabilities and team collaborations.
Number of the innovation ideas were implemented by the underwriting department; in return resulted in
increased team production numbers, efficiency and overall team quality.
2012-01 - 2015-01 Underwriting Assistant/ Project Manager
Midland National Life Insurance
Assist with underwriting on insurance policies, assess financial risks, assist cross-functional team on case specific issues, and provide customer service for agents, brokers and policyholders
Review files to ensure quality control, identify issues and audit files for accuracy
Eliminate 30% of errors by preparing reports related to issues to senior management, also ensuring errors are brought to attention during team meetings
Process and prepare endorsements, miscellaneous changes, reinstatements and cancellations.
Calculate and process quotes for policy change, reinstatements, miscellaneous changes and new issues
Process life insurance reinstatement and policy change-conversions and exchanges
Work closely with reinsurers performing risk assessments based on client's medical histories
Increase production number 50%by working overtime and helping with additional tasks, while ensuring the quality of production and services
Develop new reports and delegate tasks to team members
Took on various projects such as performing analysis using SQL and presented various reports to management for proper training plans and allocation of workload.
Developed department’s training materials, and managed training programs for new employees.
Conduct regular side-by-side to ensure quality productions, and provide feedback/suggestions to ensure efficiency and accuracy.
Lead and developed new trainees through coaching, mentoring, motivating and training.
Directly resolved member issues promptly and considerately by ensuring members received the highest level of service, efficiency, accuracy and convenience from all team members.
2013-07 - 2014-11 Cosmetic Consultant
Assist customers in locating merchandise or finding suitable alternatives.
Active engagement and involvement in improving sales and providing more remarkable customer service.
Provide professional advice and useful knowledge of products
Communicate with management regarding customer concerns and employee matters.
Handle sales transactions, which may include operating cash registers.
Provide honest advice and feedbacks to customers regarding the best products that fit the their needs
Meet and exceed sales goal by actively approaching customer and engaged in open ended dialogues to promote
sales, as a result achieved top sales quota in the department for multiple months
2011-07 - 2014-09 Phone Banker- Student Loan
Assist customer with student loan applications, recommend student loan program based on students’ need and
process loan applications.
Follow up with customer with loan applications, documents requested.
2008-09 - 2011-05 Admission Assistant
Follow-up with students for any inquiries on studying abroad through phone calls and emails.
Assist with recruitment activities, admission publications, and information sessions.
Assist with orientation programs, educational workshops and graduation programs for students.
2007-09 - 2011-05 Augustana College
•BA in Math and Chemistry - 2011