Customer Service Insurance Specialist
Resume:
AFRICA
COOPER
Motivated And
Reliable Worker
Contact Information
**********@*****.***
Skills
Languages
I have strong interpersonal communication skills, both written and verbal. Over 10 years of experience in Mortgage. Excellent reputation for resolving problems and improving customer satisfaction.I have worked with several clients: Citimortgage, Chase, Citi-Bank, Keller Mortgage, Bank of America, and Wells Fargo. I have experience in Processing, Servicing, Quality Control, and Underwriting mortgage loans. I have underwritten for Fannie/Freddie, GSE, and VA. I am motivated towards achieving set goals/deadlines in a timely manner; Type 55 words per minute; I have a strong ability to effectively multi-task in a fast paced office environment. Customer Service
Financial Statements
Investor Guidelines
External Customers
Credit Reports
Loan Applications
Ensure Compliance
QA
Income
Real Estate
Microsoft Office
Encompass
Microsoft Excel
LP/DU
Microsoft Outlook
Microsoft Word
Microsoft Access
Microsoft Power Point
Imaging Docs
Quality Control Audits
Loan Portfolio
English
Employment History
Underwriter Sep 2020 - Jan 2022
Remote (Work From Home)
Perform a detailed review of condo, co-op, and one-to-four family residential property appraisals in compliance with investor guidelines. Authoriz loan eligibility for Conventional, Home Equity Loans/Lines of credit. Provide loan portfolio support and intervention for loan submissions through underwriting while adhering to strict processing time-frames. Provide exceptional customer service to internal and external clients by effectively coordinating various stages of the loan process with all stakeholders.
Focus on detailed differences in investor requirements for lending, maintaining integrity of loans for maximum portfolio performance after funding.
Perform analysis of business and personal financial statements and/or tax returns in addition to online credit scores and business intelligence. Provide exemplary customer service to both internal staff and external customers by explaining credit decision and offering alternative options when needed.
Review and validate that documentation was adequate to ensure collateral security, and sufficient to maintain the loan portfolio quality and profitability.
Perform personal income analysis, underwrite, and apply bank specified conditions to assure borrower meets program/product specifications for home equity loans.
Analyze applicants' credit histories, corporate/ personal financial statements, and property evaluations to determine feasibility of granting loans.
Assist with general loan portfolio monitoring including customer service. Review and analyze borrower's credit histories, financial statements and other financial information to make quality decision for loan programs. Interpret credit agency reports, financial statements, and liability documentation to support underwriting decision to establish creditworthiness of each borrower
Perform modification eligibility analysis per investor guidelines. Keller Mortgage
Review/upload financial statements, tax documents and assisted dealerships with strategies to establish commercial retail and lease installment loans.
Provide detail narrative analysis of the clients financial statements and make sound credit decisions and recommendations according to bank guidelines.
Quality Assurance Analyst May 2017 - Mar 2020
Charlotte, NC
Contributor to the Quality Assurance project team for specialty insurance within Global Wholesale Banking Commercial and Corporate Lending. Performed Quality Assurance reviews of research and work performed by claims researchers and due diligence associates to ensure commercial and corporate loans complied with the required due diligence according to Global Wholesale Banking enterprise policies, procedures and standards prior to closing.
Worked with due diligence associates to remediate loans that are or could be out of compliancewith regard to flood insurance FEMA regulations. Assisted with interpretation of the standards and regulations as applied to specialty insuranceoperations and QA procedures
Ensured that all required processes and procedures were followed; system of record notated,documentation available/imaged and appropriate borrower communication (verbal and written)was performed accordance to SD Directives/Internal Operating Procedures
Quality Control Underwriter Nov 2013 - May 2017
Charlotte, NC
Underwriter II Jul 2013 - Nov 2013
Charlotte, NC
Processor/Customer Relationship Manager Oct 2011 - Jul 2013 Charlotte, NC
Hazard Insurance Specialist Mar 2006 - Oct 2011
Atlanta, GA
Certifications
Certified Residential Underwriter
Certified Quality Auditor
Bank of America
Wells Fargo
Wells Fargo
Bank of America
Assurant
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