Lakisha Nealy

Dallas, Texas

ad45n7@r.postjobfree.com

972-***-****

A seasoned, dynamic, result- oriented professional with over 20 Years' Experience in mortgage industry and 6 years underwriting FHA and Conventional loans. All-claims Adjuster License since 2012 with 4 years Auto Total Loss Adjuster and Auto Technical Estimating Experience and Home Property Adjuster.

Self- Motivated starter with a pro-active attitude who excels in the most challenging and competitive work environments. Promote excellent communication, mediation and analytical skills while working independently and in a team environment, possessing exceptional time management and organizational skills. Proficient in a windows-based environment: Excel spreadsheet, Microsoft Word, Outlook and Power Point. Utilize CCC Pathway, Mitchell, ADP, Next Gen, Disaster Center Management Service (DCMS) Program, National Emergency Management Information System, Dunn Bradstreet, Lexis-Nexus, AVM, Citrix, Msp, LPS, Fortracs, LSams, Vendorscape, Loan Express, OPS,Acer, Fiserv, CACS and Automated Dialer Systems.

Authorized to work in the US for any employer

WORK EXPERIENCE

U.S. Small Business Administration- Dallas-Fort Worth, Texas Remote January 2023 to Present Loan Specialist- COVID EIDL

Review pertinent facts and make eligibility determinations by analyzing factors such as 1

intended use of proceeds, legislative and administrative limits. Contact Business owners to obtain information necessary to formulate loan recommendations. Respond to inquiries from applicants, their representatives and agents, and others concerning the status of applications and reasons for Agency decisions. Process loan modifications by performing necessary analysis and preparing full documentation supporting the analysis. Assist Case Managers with closing and disbursing approved loans.Interpreting and explaining pay information to employees; Gathering, analyzing, or presenting financial or insurance information for Economic Injury Disaster Loan (EIDL) Covid diaster Loans. Federal Emergency Management Agency - Dallas, Texas Remote October 2022 to Present Disaster Survivor Assistance Specialist Reservist

Responsible for registering survivors for disater assistance, provide guidance on the registration process and provide an overview of the assistance availble through FEMA. Review cases with survivors to provide information about the status of their applications, other assistance for which they may be elgible for, and obtain and document new information update into their case. Engage with surviors and local officials in affected communities to identify immediate and unmet

needs for quick resolution that can be addressed with assistance and resources available through FEMA and /or our whole community partners. Conduct comunity outreach and create partnerships with the local and state emergency managers, disability partners, private sector, voluntary agencies, faith based and community based orginizations to foster a culture of strengthened alliance to support the delivery of inclusive, equitable services to survivors. Responsible for performing essential task to access the ground information, inform pre and post diaster declaration and report timely. actionable and comprehensive summaries that identify survivor and community needs and any broad based trends. 2

HCL Technologies – Dallas, Texas December 2020 to May 2022 Senior Associate Underwriter- NMLS # 2089741

Establish strong relationship with business partners, risk management and Fulfillment teams. Manage assigned pipeline; Disposition loans within 24-48 hours ofreceipt and timely resolves conditions. Informs processors, mortgage loan officers, closers and management of changes, status updates, findings and credit decisions. Work in collaboration with the team to ensure SLA targets are met. Orients, trains, assists and mentor more junior level Underwriters. Ability to effectively make decisions in an independent manner and availability as a resource advisor for all staff. Strong knowledge of the Mortgage Loan Express system. Review and follow Fannie Mae and Freddie Mac Underwriting Guidelines.communicate all credit decisions approval, suspense, denial to the appropriate individuals within the operations team. Underwriters are charged with upholding fair lending practices and protecting the company by making sound lending decisions while maintaining company production and quality requirements. Review loan files for income, collateral, and creditworthiness based on program and product specifications Maintain or exceed production and quality requirements on a monthly basis Maintain expert knowledge of Corporate, investor and regulatory guidelines Effectively communicate credit decisions and document needs throughout all individuals involved. Maintain and record all credit risk activities. Allstate Insurance- Coppell, Texas June 2020 to December 2020 Inside Virtual Catastrophe Property Adjuster

Conduct virtual and field-based detailed inspection of the property and write an estimate to capture the extent of the damages. Utilized advanced video technology 3

to collaborate with onsite vendors to identify damages and write a damage estimate froma virtual setting capture photos of damages. Review the policy and decide how coverage applies and provide customer service and give the customer a detailed explanation of both the estimate and the policy. Communicate empathetically with customers and help them through their claims process effortless. Negotiate claim settlements with customers in accordance with business unit standard methodologies. Use data and analytics to tell a story and influence decision making.

Allstate Insurance- Irving, Texas August 2017 to June 2020 Total Loss Claim Adjuster

Responsible inspecting damaged vehicles and prepare itemized damage appraisal to return customer vehicle to their pre-loss condition. Talk to customer on the phone go over vehicle conditions and options to run a market value and guide them through the settlement process in a caring and professional manner. Placed calls to tow and repair shops to request fees and cost to mitigate cost. Offer to inspect customer vehicle utilizing a Virtual assist app the customer down load to their mobile deviceto determine damages and conditions of the vehicle to run a market valuation. Challenge to manage multiple cases simultaneously and solve problems in a fast-paced environment. Ability to provide accurate estimate and reach effortless and efficient claims resolutions while Mitigating cost Allstate Insurance- Irving, Texas-March 2017 to August 2017 Inside Auto Technical Adjuster

Responsible for ensuring a promise to our customers to deliver fair, fast and efficient claims service. Conduct desk reviews of estimates/supplements and 4

photos from customers to write auto damage estimates. Investigates basic and occasionally moderately complex files, reviews damage, takes photos, and determines reparability or total loss. Prepares damage estimates and locates parts for basic and occasionally moderately complex claims manage multiple claims simultaneously and solve problems in a fast-paced working environment. Documents claim file with notes,evaluations and decision-making process. Email customer or body shop estimate and issue electronic check or quick card payments to Customers. Excellent customer service and ability to provide accurate estimates to reach fair and efficient claims resolution while managing cost. Allstate Insurance – Lone Tree, Colorado - August 2015 to March 2017 Total Loss Claims Adjuster

Responsible inspecting damaged vehicles and prepare itemized damage appraisal to return customer vehicle to their pre-loss condition. Talk to customer on the phone go over vehicle conditions and options to run a market value and guide them through the settlement process in a caring and professional manner. Placed calls to tow and repair shops to request fees and cost to mitigate cost. Challenge to manage multiple cases simultaneously and solve problems it a fast-paced environment. Ability to provide accurate estimate and reach effortless and efficient claims resolutions while Mitigating cost. Allstate Insurance- Irving Texas- February 2014 to August 2015 Subrogation/ Damage Reviewer

Review claim files to evaluate recovery potential and open subrogation files on those with adequate potential. Take appropriate steps for the development, pursuit and recovery of claims. Damage dispute team process was 5

highly engaged in countering and auguring to get every dollar paid out to repair Insurer vehicle. Responsible for reviewing third party carrier audit and compare to our estimate and advocate for all dollars. Identified trends and patterns with certain carriers to help settle claims more efficient and submit claims to Arbitration when carriers refuse to pay our subrogation demands that’s are truly owed, with a 98% negation win ratio while maintain a 95% quality review score. Macy’s - Dallas, TX – December 2013 to August 2015 Cashier/Customer Service Parttime

Commission employee worked cosmetic and fragrance helping customers with beauty needs applying makeup products on customer to sale products and worked on a cash register checking customers out for purchase. Worked in shoe department assisting customers with shoes and advising them of sale items, Solicit new customers to open a Macy’s credit card. Worked in handbags Michael Kors and Coach Retail.

Small Business Administration Fort Worth, Texas – February 2013 to July 2013 Business Loan Officer

Responsible for initial underwriting and loan processing on Secured and Unsecured loans with disaster Business prospects while utilizing SBA and other government loan guarantee programs. Perform a variety of task by discussing general eligibility with applicants and answering questions regarding the application process by confirming business active status with Secretary of State and Certificateof Incorporation. Evaluate credit reports, Dun and Bradstreet, and Portfolio . Management Query Data (PMQD) to determine applicant's interest rate. Analyze Federal Income Tax Returns IRS Transcripts and Profit and loss statements to determine cash flow and Debt to income Ratio for repayment ability. Review 6

balance sheets, financial statements and schedule of liabilities to determine the business Net worth. Process all loans within the Standard Operating Policy guidelines that dictate eligibility, ownership, repayment capability, and other processing criteria.

Determine whether an application should be declined or approved with the final loan amount by giving a sign of recommendation. Responsible for securing the loan if appropriate with the best available real estate collateral and guarantee required by the company guidelines. Educate applicants about other loan products such as Economic Injury Disaster Loan (EIDL), Military Reservist EIDL, Non-Profit Assistance and Pre-Disaster Mitigation secured and non-secured loans for small businesses to protect their business Case Management Quality Assurance Bank of America - Irving, TX - May 2012 to December 2012 Case Management Quality Assurance

Effectively monitor associates adherence to a required process and objectives for escalation activities in the following segments FHA FRP&CMQ document review procedures. Ensure that correct actions have been taken in FHA files and potential challenges identified in the document review stage. Review files and aim effectively to meet the goals of timely FHA modification dispositions. Provide timely and appropriate coaching and development to Associates in line with their related processes and activities by Pass or Fail. Allow for realization of potential efficiency and quality opportunities to effectively meet timely modification process initiatives. Analyze monthly trends and identify gaps and needs to better process.

SAXON MORTGAGE New Bold Advisor - Fort Worth, TX - January 2009 to May 2012 7

Mortgage Underwriter

Responsible for reviewing, analyzing, approving and underwriting conforming and nonconforming consumer requests and products within company and industry guidelines.Evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios Debt ratios, loan-to-value and other supporting documentation; using an automated scoring system or traditional underwriting to determine acceptability of moderate requests and approve and deny consumer loans. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively

with team members to drive deals to successful funding and close. Known for strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Exceptional ability to analyze policies, procedures and guidelines to maximize productivity and protect the level of risk desired. Fremont Investment & Loan - Irving, TX - July 2006 to January 2008 Mortgage Loan Processor

Process conventional loans from set up to submission, from conditions to close. Reviewed residential loan application files to verify application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment. Recommends that loan not meeting standards is denied. Submit mortgage loan application files for underwriting approval. Submit approved mortgage loan file to mortgage loan 8

closer. Organize closings with borrower, lender and Title Company. Aware of and adheres to all state and federal regulations. Is compliant with lender policies. Send closing numbers to lenders and checks settlement statements for accuracy. Types Deeds of Trust for second mortgages as well as the release of Deed of Trust. Strong communication skills with borrowers and lenders. Work efficiently and effectively due to the sensitive time constraints required for closings.

Centex Home Equity/Nation Star - Lewisville, TX - December 2000 to July 2006 Loss Mitigation Specialist

Responsible for all functions of loss mitigation representative. Successfully negotiate acceptable payment .Arrangements to cure accounts. Responsible for work out options which best fit customer needs. Worked loans for modifications, short sales, deferments, and deed in lieu. Work closely with foreclosure attorneys, Realtors and third parties on reinstatement and payoff amounts. Responsible for property appraisals and review of title for liens or judgments. EDUCATION

Bachelor of Business Administration-1998- Dallas Baptist University - Dallas, TX North Lake Community College- 2012-Project Management Professional-Irving,Tx All-Lines Auto Adjuster License: Texas, Wyoming, Florida and all Reciprocal states. Loan Officer License NMLS 2089741

Volunteering- Judge Dallas County Elections Voting Center November 2019 to Present

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