Customer Service Associate

DARYL JOSEPH DORSCHNER

480-***-**** • ************@*****.*** • Phoenix, AZ 85021

PROFESSIONAL SUMMARY

Dynamic and detail-oriented Mortgage Underwriter with over 5 years of experience in assessing financial risks and approving home loans. Proven track record of ensuring compliance with underwriting guidelines and delivering superior customer service.

SKILLS • • Strong understanding of underwriting guidelines and regulations

• Excellent analytical and problem-solving skills

• High degree of accuracy and attention to detail • • Proficient in loan origination and management software

• Excellent communication and customer service skills

WORK HISTORY

Jun 2023 - Current

Phoenix, AZ Customer Service Associate / Walmart

• Processed customer returns and exchanges, ensuring a smooth and efficient experience

• Addressed customer complaints and concerns, providing solutions and maintaining high customer satisfaction

• Assisted customers with product inquiries and provided information on store policies

• Handled cash transactions and maintained accurate records of sales and refunds

• Collaborated with team members to ensure a clean and organized store environment

Jan 2023 - Current

Phoenix, AZ Assistant Front End Manager / Fry's Food and Drug

• Directed and supervised all functions, duties, and activities for the Front-end department

• Supported day-to-day operations, ensuring exceptional customer service and a clean, safe environment

• Assisted in achieving sales and profit goals, managing cash control, and maintaining quality assurance standards

• Managed scheduling of Front-end associates to provide adequate department coverage

• Collaborated with associates to promote teamwork and a positive work environment

• Adhered to all food safety regulations and company guidelines

Mar 2021 - May 2023

Phoenix, AZ Customer Service Associate / Circle K

• Assisted customers with purchases, returns, and inquiries, ensuring a positive shopping experience

• Managed cash registers, processed transactions, and maintained accurate financial records

• Resolved customer complaints and issues promptly and professionally

• Restocked shelves and maintained store cleanliness and organization

• Collaborated with team members to ensure efficient store operations

Jun 2019 - Feb 2021

Casa Grande, AZ Salon Manager / JC Penney

• Managed daily operations of the salon, ensuring high standards of customer service and satisfaction

• Supervised and trained a team of stylists, ensuring adherence to company policies and procedures

• Developed and implemented marketing strategies to attract new clients and retain existing ones

• Managed inventory, placed orders for supplies, and ensured timely delivery

• Handled customer complaints and resolved issues to maintain a positive salon environment

• Monitored financial performance and prepared reports on sales and expenses

Mar 2017 - May 2019

Central City, CO Salon Owner

• Established and managed a successful salon, overseeing all aspects of business operations

• Recruited, trained, and supervised a team of stylists and support staff

• Developed and implemented marketing strategies to attract and retain clients

• Managed inventory, ordered supplies, and ensured timely delivery

• Handled customer complaints and resolved issues to maintain a positive salon environment

• Monitored financial performance and prepared reports on sales and expenses

Mar 2015 - May 2019

Evergreen, CO Operations Manager/Underwriter/DE / Bank of America

• Managed daily operations and supervised a team of underwriters to ensure efficient workflow and compliance with company policies

• Conducted thorough reviews of loan applications, including credit reports, tax returns, and financial statements, to assess risk and approve loans

• Implemented process improvements that increased efficiency and reduced processing times by 15%

• Provided training and support to new underwriters, enhancing team performance and knowledge

• Maintained excellent customer service by addressing client inquiries and resolving issues promptly

Jun 2015 - Feb 2017

Central City, CO Mortgage Loan Underwriter / PHM Financial

• Evaluated and verified loan applications and supporting documents to assess borrowers' creditworthiness

• Analyzed financial information, including credit reports, tax returns, and income statements

• Ensured compliance with banking regulations and lender policies

• Communicated with loan originators and processors to obtain additional documentation or clarification

• Recommended approval or denial of loan applications based on risk assessment

• Maintained up-to-date knowledge of various lender policies and loan products

Jun 2012 - Feb 2015

Albuquerque, NM Junior Underwriter / Bank of America

• Assisted in the loan approval process by reviewing documentation and assessing financial risks

• Gained advanced knowledge in clearing title issues, income calculations, and subordinations

• Provided quality customer service by proactively communicating with customers and banking associates

• Supported senior underwriters in analyzing credit reports, tax returns, and financial statements

Jan 2010 - May 2012

Santa Monica, CA Loan Processor / First Capital Mortgage

• Gathered and reviewed loan documentation, ensuring all required information was complete and accurate

• Evaluated credit histories, employment status, and financial data to assist in loan approval decisions

• Coordinated with clients, escrow agents, and title companies to facilitate smooth loan processing

• Maintained detailed records and ensured compliance with all regulatory requirements

• Provided excellent customer service by addressing client inquiries and resolving issues promptly

Jun 2008 - Dec 2009

Albuquerque, NM Junior Loan Processor / Professional Home Mortgage

• Processed loan applications by collecting and verifying borrower information and documentation

• Communicated with borrowers, real estate agents, and underwriters to ensure timely and accurate loan processing

• Assisted in preparing loan files for underwriting and closing

• Ensured compliance with all federal and state regulations and company policies

• Delivered exceptional customer service by addressing client questions and concerns

May 2006 - May 2008

Albuquerque, NM Server / Tomato Cafe

• Provided excellent customer service by taking orders, serving food and beverages, and ensuring customer satisfaction

• Maintained cleanliness and organization of the dining area

• Assisted in training new staff members on restaurant procedures and customer service standards

• Handled cash and credit transactions accurately and efficiently

• Addressed customer inquiries and resolved complaints in a professional manner

Jun 2004 - Apr 2006

Albuquerque, NM Server / Benniguins

• Delivered high-quality customer service by taking orders, serving food and beverages, and ensuring a pleasant dining experience

• Managed multiple tables efficiently in a fast-paced environment

• Assisted in maintaining a clean and organized dining area

• Handled cash and credit transactions accurately

• Resolved customer complaints and inquiries promptly and professionally

May 2002 - May 2004

Albuquerque, NM Restaurant Manager / Long John Silver's

• Oversaw daily operations of the restaurant, ensuring compliance with company standards and health regulations

• Managed staff recruitment, training, and development to maintain a high-performing team

• Monitored inventory levels and placed orders to ensure adequate stock of supplies

• Handled customer complaints and resolved issues to ensure a positive dining experience

• Implemented marketing strategies to increase sales and customer engagement

• Maintained financial records and prepared reports on sales and expenses

May 2002 - Apr 2004

Sierra Vista, AZ Shift Manager / McDonald's

• Oversaw daily operations during shifts, ensuring compliance with company standards and health regulations

• Managed staff scheduling, training, and performance evaluations

• Handled customer complaints and resolved issues to ensure a positive dining experience

• Monitored inventory levels and placed orders to ensure adequate stock of supplies

• Ensured compliance with safety and sanitation standards

• Assisted in financial reporting and analysis to improve operational efficiency

Jun 2000 - Apr 2002

Albuquerque, NM Assistant Manager / McDonald's

• Assisted the restaurant manager in overseeing daily operations and ensuring smooth workflow

• Supervised and trained staff, ensuring adherence to company policies and procedures

• Managed inventory, placed orders, and ensured timely delivery of supplies

• Handled customer complaints and resolved issues to maintain high customer satisfaction

• Assisted in scheduling staff and managing payroll

• Ensured compliance with health and safety regulations

EDUCATION

Residential Appraisal School in Cosmetology

CERTIFICATIONS

Federal Housing Administration (FHA) as a Direct Endorsement (DE) Underwriter, BB38

UNDERWRITINGAUTHORITY

• Super Jumbo

• Jumbo

• Conforming

• Non-Conforming

• Conventional

• MFA

• Alt-A

• Automated underwriting DE

• DU

• LP

• CLUES

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