Customer Service Data Entry

Angel R. White

Mableton, GA ***** • 313-***-**** • **************@*****.*** • www.linkedin.com/in/dewhiteangel

Claims Representative Mortgage Underwriter Insurance Adjuster

QUALIFICATIONS SUMMARY

Self-motivated, analytical Certified Underwriter and Licensed Insurance Adjuster with extensive leadership experience optimizing business development in the mortgage industry. Aspiring Claims Representative with unmatched competencies in data analysis, claim investigation, risk mitigation, needs assessment, and market base expansion. Excelled at accelerating operational procedures through highly relevant training programs and proactive process improvement mechanisms. Reliable team player commended for exemplifying integrity, accountability, commitment, and professionalism to foster collaborative partnerships and boost optimal profitability.

CORE COMPETENCIES

Account Management Claims Administration Insurance Adjusting Quality Control Revenue Growth Report Generation Business Correspondence Accounting & Finance Data Entry Client Acquisition & Retention Market Penetration Loss &

Risk Mitigation Performance Evaluation Regulatory Compliance Contract Negotiation Training Implementation

Customer Service Verbal & Written Communication Conflict Resolution Leadership & Collaboration

RELEVANT SKILLS

Operational Excellence

Empowered families by providing affordable rental assistance and housing loan programs in collaboration with the Department of Community Affairs and the State of GA under the direction of the Regional Administrator.

Consistently exceeded key metrics as one of the top 5% production underwriters at Prosperity Home Mortgage, LLC.

Obtained the highest rating for credit risk, quality review, and internal audit at Quicken Loans, Inc. by instituting innovative improvement mechanisms to accelerate underwriting processes and initiate new performance benchmarks.

Leadership & Collaboration

Refined operational processes by incorporating research-based practices as an Escalation Point Subject Matter Expert for FHA, Fannie Mae and Freddie Mac compliance, QC regulatory information, change implementation guidelines, foreclosure prevention, servicer's issues, corrections, process tracking, and performance appraisal.

Cultivated a culture of service excellence and current industry trends in training 20+ underwriting team members for manual, frontline, Home Affordable Refinance Program (HARP), Home Affordable Modification Program (HAMP), as well as forensic high-volume conforming, nonconforming, and government conversion procedures.

Intensified business development initiatives by sustaining $3M-10M signing authority by forging strategic partnerships with retail, wholesale, and correspondent market sectors while willing to expand linkages across banking and logistic industries.

PROFESSIONAL EXPERIENCE

Underwriter / Processor FOCUS GA Atlanta, GA 07/2022 – Present

Amplify operational efficiency in business correspondence, document verification, file maintenance, risk mitigation, and policy compliance.

Verify data accuracy in complex income analysis, process documentation, as well as electronic and hard file maintenance.

Mitigate risks in approving family eligibility by reinforcing compliance with program regulations and government guidelines.

Deliver exceptional customer service in interacting with diverse clients and resolving issues in a courteous manner.

Safeguard the confidentiality of sensitive information in updating clients' financial data and records.

Senior Mortgage Underwriter PRIME LENDING - PLAINS CAPITAL COMPANY Dallas, TX 11/2020 – 03/2022

Facilitated seamless workflows in loan underwriting, file analysis, correspondence management, and regulatory compliance.

Bolstered optimal productivity in assessing loan applications, processing 5 new loans daily, and cascading credit decisions to appropriate parties, demonstrating excellent time management skills in a fast-paced setting.

Reviewed documentary requirements for DU, LP, HELOC, FHA, VA, USDA, ABL and bond loans, exercising keen attention to detail to ensure information accuracy in compliance with company, investor, and agency guidelines.

Strengthened professional linkages to accomplish client requests, loan restructuring procedures, and issue resolution.

Mortgage Underwriter PROSPERITY HOME MORTGAGE, LLC Chantilly, VA 12/2019 – 10/2020

Boosted profitability in underwriting residential loans in compliance with company and secondary market investor standards.

Administered smooth workflows in mortgage closing and funding processes, leveraging proficient written and verbal communication skills to coordinate with cross-functional teams and attain business targets.

Ascertained quality control in reviewing financial statements, credit reports, property appraisals, employment, and asset verifications to assess creditworthiness, driving confident decisions based on consolidated data.

Conducted intensive credit risk analyses on all loan applications in adherence with established company and government underwriting guidelines.

Senior Underwriter Analyst / Senior Underwriter AMERICAN MORTGAGE CONSULTANTS, INC. Tampa, FL

Achieved financial targets by thoroughly assessing debt and loan-to-value ratios to ensure accuracy, completeness, and risk mitigation.

Enhanced processes in examining credit documents, including mortgage applications, credit history, income records, title documents, and appraisals to evaluate credit score, property valuation, or other factors, including TRID compliance.

Benchmarked best practices and current industry trends by completing underwriter training programs, obtaining in-depth knowledge of banking, business unit, and underwriting guidelines, policies, or regulations.

Standardized procedures in the manual frontline and due diligence underwriting for conventional or conforming loan products to define loan conditions, identify requirements, communicate decisions, and determine potential risks.

Senior Underwriter / Team Lead / Junior Portfolio Manager / Credit Analyst / Lending Assistant

QUICKEN LOANS, INC. Detroit, MI

Optimized operational efficiency in expediting Federal Housing Administration (FHA), high balance, conforming, nonconforming, and HARP underwriting analysis for the mortgage retail sales, wholesale, and correspondent business channels.

Surpassed key metrics in completing 20+ underwriting services daily, including condition variance requests, NDS exception submission, collateral valuation, self-employment or complex income reconciliation, and prompt executive complaint resolution.

Extended administrative support in deficiency investigations and training implementation among processors to guarantee strict adherence to established mortgage lending guidelines or regulations.

Heightened organizational effectiveness by implementing highly relevant training programs, market research, as well as fraud and risk tool utilization while augmenting support in file maintenance, document consolidation, and data entry.

Broadened market share by reducing early fixed, arm, and balloon payment defaults, magnifying value proposition for product offerings, as well as galvanizing investor and secondary marketing relationships nationwide.

Reinforced regulatory compliance in loss mitigation initiatives, asset management, monthly inspections, reporting, action planning, property tax exemption filing, as well as insurance certificate and claims administration.

ADDITIONAL WORK EXPERIENCE

Senior Loan Processor / Junior Underwriter ABN AMRO Troy, MI

Professional Athlete INTERNATIONAL BASKETBALL LEAGUE Europe & Asia

EDUCATION & PROFESSIONAL DEVELOPMENT

Bachelor of Business Administration - Accounting & Finance

SOUTHERN NEW HAMPSHIRE UNIVERSITY (SNHU) Manchester, NH Anticipated Completion: 05/2025

Bachelor of Science in Organizational Communications

WESTERN MICHIGAN UNIVERSITY Kalamazoo, MI 1992-1996

LICENSE, TRAINING, & CERTIFICATION

FHA DE CHUMS Certified Underwriter Licensed Insurance Adjuster

COMMUNITY INVOLVEMENT

Volunteer, Wheeler Group Volunteer, Forgotten Harvest

TECHNICAL SKILLS

Encompass Black Knight Adobe Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)

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