Customer Service Sales
Resume:
KEVIN P. NEEDHAM
Waltham, MA 02453
*********@*****.***
Summary
A finance professional that began with six years in the Massachusetts Army National Guard as a Finance Specialist, I’ve held both customer-facing positions and support roles. With a broad range of experience, my responsibilities have included the development of customized reports using Excel, statistical & variance analysis, month end closing, reconciliation of general ledger, and processing of journal entries.
Professional Experience
Aflac, Woburn, MA 2015 – Present
Licensed Insurance Agent
Assess client needs and financial situations through face-to-face appointments, review of current coverage, and development of long-term plans
Develop an individualized plan through calculations and quotes for policies
Provide ongoing customer service to clients
Develop a referral network
Deliver presentations to groups
Collaborate with underwriters and home office staff to deliver on contracts
Bank of America Home Loans, Medway, MA 2013 - 2015
Mortgage Loan Specialist
Secured new loan applications through networking and relationship building within the community; specifically realtors, financial planners/accountants, and closing attorneys
Made sales calls to prospective customers
Analyzed applicants’ financial status, credit, and property valuations to determine feasibility of granting loans
Approved mortgage loans by examining application and supporting documentation, estimating credit-worthiness, and calculating repayment risk
Collaborated with customers, realtors, processing, underwriting, closing operations, and attorneys to ensure timely completion of loan process
Analyzed potential loan markets and developed referral networks to locate prospects
Middlesex Federal Savings, F.A., Somerville, MA
2003 - 2012
Loan Officer
Originated residential mortgages, equity lines of credit, and consumer loan applications
Developed ongoing working relationships with customers regarding mortgage related products
Inspected and documented progress of construction sites; prepared and reviewed disbursement of funds in accordance with terms of negotiated loan documents
Prepared and provided customized reports for Senior Management, Board of Directors, and external examiners in compliance with federal guidelines
Created customized spreadsheet templates and provided financial reporting for income expense analysis, presentation of net worth, schedule of real estate owned, and global cash flow analysis
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Finance and Accounting Experience
Unicare Life & Health Insurance Company, Charlestown, MA
1997 – 2003
Supervisor, Accounting Operations
Managed department of $500+ million in high-volume claims annually
Organized and reconciled finance and accounting functions for 100+ customer accounts including general ledger, claim reporting and balancing of accounts
Calculated and disbursed pharmaceutical claims and administrative fees based on drug utilization
Established and maintained relationships with clients, including sales representatives and underwriters
Analyzed and interpreted financial and statistical reports for presentation to customers
Performed financial analysis for Actuarial Unit and Management to develop budget guidelines for sales staff
Balanced client bank accounts against incurred paid claims by researching and resolving discrepancies
Identified, defined and developed customized reports for clients
Improved processes to maintain high level of service during reorganization
Hired, evaluated and trained staff in Group Claims, Life & Disability and Incentives departments
John Hancock Mutual Life Insurance Co., Boston, MA
1991 – 1997
Supervisor, Claim Accounting & Incentives (1995 – 1997)
Ensured accurate accounting functions for sale of John Hancock Group Insurance to Unicare Life & Health Insurance Company
Balanced $100+ million in personal option accounts for group life beneficiaries
Designed and created customized Excel reports for strategic and financial functions for both internal and external customers
Maintained accounts receivable, accounts payable, and monthly bank reconciliation
Provided variance reports to Senior Management based on vendor information and data input timing issues
Balanced general ledger to paid claims and provided necessary documentation for variances
Managed functions of 7 individuals in Accident and Health Claims, Group Life & Disability and Incentives
Supported sales staff with relevant reports to maintain accounts
Statistical Analyst, Claim Accounting and Reporting (1991 – 1995)
Military Experience
Massachusetts Army National Guard
1985 – 1991
Finance Specialist
Awards – Army Commendation Medal, Army Achievement Medal, Certificates of Achievement
Education
B.S., Business Management, Bentley College, Waltham, MA
Licenses
Accident & Health Insurance Producer License: MA, NH, RI
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