Customer Service Underwriter

Alan Binko

St. Petersburg, FL *****

***********@*****.*** • 727-***-**** • www.linkedin.com/in/alan-binko-8276b56/

Dedicated professional applying extensive financial analysis and property knowledge to mitigate risk while providing quality customer experiences. Analytical team player skilled at identifying and resolving unexpected challenges in fast-paced environments. Commitment to quality with demonstrated ability to learn and apply multiple regulatory requirements. Effective communicator proven to navigate matrixed environments to ensure results are obtained for clients under tight timelines. Self-motivated analyst actively looking for the right next challenge to apply skills in a new way that delivers value.

Requirements Gathering Risk Management Process Improvement Financial Documentation Analysis

Coverage Determinations Appraisals Property Investigation Project Management

Cross-Functional Collaboration Process-Oriented Customer Success Data-Driven Problem Solving

CAREER HIGHLIGHTS

Financial Services & Insurance Expertise: worked at every level of the financial services industry to provide quality customer experiences through the full customer lifecycle while maintaining compliance at each step. United Services Automobile Assoc. (USAA), JP Morgan Chase, Fremont Investment & Loan, JCIII & Associates Inc., Trinity Coastal Mortgage, New Century Mortgage.

Experience: remote and in-person experience as an underwriter, sales, and customer service for all residential property financial products (conventional, VA, non-conforming)

Risk Analysis Strategy: partnered with the sales teams, legal, and operations to gather the appropriate financial, insurance, and property documentation to apply the risk frameworks, provide recommendations, and prepare accounts for appropriate actions. USAA, JP Morgan Chase, JCIII & Associates Inc.

Scope: compliance, fraud review, foreclosure review and negotiation, credit income asset review, monitor changing guidelines, policies and procedures

Customer-Focused: applied excellent interpersonal skills to establish rapport with clients, colleagues, and leadership to ensure that results are achieved while working under tight timelines to support the business. USAA, JP Morgan Chase, JCIII & Associates Inc., Trinity Coastal Mortgage, New Century Mortgage, Fremont Investment & Loan.

Customers Served: external (realtors, property owners, adjusters) and internal (sales, finance)

Research & Property Investigations: utilized process driven approach to assist or lead in performing property research and investigations to validate data for purposes of claims processing, risk, and documentation. USAA, JP Morgan Chase, JCIII & Associates Inc., Trinity Coastal Mortgage, New Century Mortgage.

Capabilities: forensic analysis, claims analysis, financing determinations, underwriting

PROFESSIONAL EXPERIENCE

Truist Bank, St Petersburg FL

Relationship Banker (December 2022 – Present)

Bank Product and Sales.

Cardinal Financial Company, Tampa, FL

Underwriter (August 2020 – August-2022)

Joined the financial services company in the underwriting department through a period of rapid change.

Achievements:

●Rank at the top of the team consistently by exceeding all production and quality targets.

●Assigned the most complex files and achieve results with strong mediation and communication skills.

●Manage or support ongoing projects that continuously improve the processes of the department.

●Perform forensic analysis of financial documentation and extensive research of residential properties.

Responsibilities:

●Handle moderate and highly complex files with little to no supervision with extensive industry knowledge.

●Identify and escalate files as appropriate to mitigate risk and potential claims.

●Adapt to changing dynamics effectively through periods of restructuring and take on additional duties.

●Apply excellent communication skills to establish rapport and educate internal clients on requirements.

United Services Automobile Assoc. (USAA), Tampa, FL

Loan Officer (March 2020 – August 2020)

Returned to the financial services organization in a sales capacity until the role was eliminated.

Achievements:

●Learned the products quickly to serve as a trusted expert in the solutions to customers.

●Interfaced with a high volume of customers to support their needs and properly document interactions.

Responsibilities:

●Used insights from underwriting to proactively gather the details and streamline the sales process.

●Managed multiple competing priorities effectively to ensure that all deadlines were met.

American Mortgage Consultants, Tampa, FL

Underwriter (Jan. 2019 – Jan. 2020)

Temporary role supporting a high volume of underwriting needs in the financial services company.

Achievements:

●Used effective negotiation skills to manage independent workload with high quality and tight timelines.

●Applied knowledge of mortgages and residential property industry to quickly become a top performer.

Responsibilities:

●Assured compliance with internal and regulatory standards in data insights analysis and file processing.

●Worked cross-functionally as needed to mentor team members and troubleshoot challenging files.

USAA, Tampa, FL

Underwriter (September 2012 – November 2018)

Joined the financial services company in the residential property division to evaluate and process files.

Achievements:

●Ranked in the top consistently with high volume and quality rankings that exceeded expectations.

●Processed and evaluated client files based on varying regulatory and organizational standards.

●Asked to serve as the employee representative for the region to senior corporate leadership.

●Applied strong financial analysis skills to balance requirements for loan-volume growth.

Responsibilities:

●Managed files through the full lifecycle while also taking on special projects as requested.

●Coached and mentored colleagues through complex regulatory requirements and challenging files.

●Partnered across the enterprise as appropriate to support the customer and claims processes.

●Delivered value to customers and colleagues with depth of residential property industry expertise.

PRIOR EXPERIENCE

Sr. Mediations Underwriter, JP Morgan Chase, Tampa, FL (Oct. 2011 - Jul. 2012)

Sr. Forensic Underwriter, JP Morgan Chase, Tampa, FL (Feb. 2010 – Oct. 2011)

Underwriter, JCIII & Associates Inc., Tampa, FL (2008 – 2010)

Lending Consult / Owner, Trinity Coastal Mortgage, Hudson, FL (2005 – 2008)

Sr. Underwriter, New Century Mortgage, Tampa, FL (2004 – 2005)

Underwriter, Fremont Investment & Loan, Tampa, FL (2003 – 2004)

SKILLS HIGHLIGHTS

Awards:

Honor Awards, received for combined merits in analytical speed and accuracy, USAA

Software:

Microsoft (Word, Excel, Access, Outlook PowerPoint), Insurance Rating (Proprietary), Automated Underwriting System (AUS), CoreLogic Credco, Google Application Suite

License(s):

Nationwide Multi-State Licensing System and Registry (NMLS), Access National Mortgage; Licensed Realtor, State of Florida (active) Insurance License 2-20 6-20

Education:

Associate of Science – Management

Bergen Community College, Paramus, NJ

Financial Analysis Customer Service Investigation & Audits

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