MO MICHAEL OPARA

Carrollton, TX ***** 682-***-****

ad2f8e@r.postjobfree.com

PROFESSIONAL

SUMMARY

Loss Mitigation Specialist proficient in advising borrowers during foreclosure risk. Astute and insightful with effective communication and skill for advising customers in loss mitigation solutions. Dedicated financial professional knowledgeable about collections and credit processes. Consistently reaches out to customers in default to discuss status, choices and repayment options. Adept at collaborating with borrowers and bank representatives to find mutually beneficial solutions. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 5 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.

SKILLS Maintaining payment histories

Disputing credit entries

Submitting files

Financial transactions expertise

Financial analysis aptitude

Deep knowledge of bankruptcy

processes

Analytical and Critical Thinking

MS Office

Attention to Detail

Good Telephone Etiquette

WORK HISTORY PROPERTY FIELD ADJUSTER 04/2023 to 05/2023 Alacrity Solutions Akron, OH

Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss.

Carefully reviewed claim information to verify accuracy and avert fraudulent claims.

Used Xactimate to compile estimates for personal property and structure damage.

Prepared sketch of floor plan and roofline and entered data into Xactimate to develop line-by-line item costs of damages.

Developed effective techniques to mitigate losses. Developed and maintained working relationships with independent adjusters and contractors to assist in prompt claims handling. Examined claims forms and other records to determine insurance coverage.

Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues. Documented information gathered in field and uploaded data to company database for efficient processing using state farm ECS Conducted thorough property investigations to identify and classify damages for customer claims.

Visited customer locations to evaluate damage and provided cost estimates for remediation.

PROPERTY FIELD ADJUSTER 04/2023 to 04/2023

Pilot Catastrophe Akron, OH

Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss.

Carefully reviewed claim information to verify accuracy and avert fraudulent claims.

Used Xactimate to compile estimates for personal property and structure damage.

Developed effective techniques to mitigate losses. Scoped and photographed Insured's properties for defects and damage from windstorm.

Prepared sketch of floor plan and roofline and entered data into xactimate to develop line-by-line item costs of damages.

Developed and maintained working relationships with independent adjusters and contractors to assist in prompt claims handling. Examined claims forms and other records to determine insurance coverage.

Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials. Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues. LOSS MITIGATION SPECIALIST SR.COORDINATOR 05/2018 to 03/2021 Capital One

Reached out to borrowers to discuss current status and loan workout options.

Analyzed credit, income, compliance, title documents and appraisals during underwriting process.

Provided reinstatement and payoff quotes to clients. Explained legal aspects of loan to borrower, as well as payment terms and clauses.

Assessed clients' financial data to determine loan suitability. Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.

Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.

Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. Monitored pipelines to track and log status of loans. PSYCHIATRIC TECHNICIAN 04/2016 to 03/2018

Baylor Institute For Rehabilitation

Counseled and mentored clients on substance use and life choices. Took and monitored vital signs, administered medications and managed patient behavior.

Assessed clients upon admission and discharge to detox; took blood draws for labs.

Applied interventions with clients wanting to leave against medical advice

(AMA).

Treated clients and families with respect and dignity. Recommended continuing care and medications to clients and communicated with family members on treatment and discharge plans. Coordinated with medical and paramedical professionals to provide appropriate input and effectively formulate and implement treatment plans for patients.

Charted on each patient daily.

Served customers and followed outlined steps of service. CLAIMS ADJUSTER 01/2015 to 03/2016

Progressive

Examined claims forms and other records to determine insurance coverage.

Interviewed agents and claimants to correct errors or omissions and investigate questionable claims.

Synthesized data into comprehensive quarterly written reports for management.

Reviewed and analyzed suspicious and potentially fraudulent insurance claims.

Maintained suspicious claims database and prepared reports for supervisors.

Followed up with insured individuals regarding premium and deductibles payments.

Investigated claims involving potential and suspected fraudulent activities. Verified insurance claims and determined fair amount for settlement. Answered questions posed by insured and attorneys. Reviewed police reports, medical treatment records and physical property damage to determine extent of liability.

EDUCATION Bachelor of Science Biochemistry 11/2012 FEDERAL UNIVERSITY oF TECHNOLOGY, IMO STATE. NIGERIA CERTIFICATIONS Licensed TEXAS INSURANCE ADJUSTER ALL LINES - 01-26-2022 TO 03-31-2024

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