JOI KOWALIK
**********@*****.***
Sterling Heights, MI 48312
Contact
I am a passionate and diverse leader with extensive experience in the default mortgage industry with a proven ability to grow and develop others while impacting change. Effective communicator with excellent organizational skills and a strong desire for individual and team success. I have many years experience in customer service and as a project coordinator .
P r o f e s s i o n a l Summary
S k i l l s
Procedure implementation Teamwork
Problem-solving Time management
Decision-making Reporting
Customer service Client service
EXPENSE REIMBURSEMENT SUPERVISOR
FLAGSTAR BANK FSB — Troy, MI
Jun 2019 - Apr 2025
SENIOR EXPENSE REIMBURSEMENT
FLAGSTAR BANK FSB — Troy, MI
Jun 2015 - Apr 2019
E x p e r i e n c e
Trained new employees on company policies, procedures and work ethics. Supervised and coordinated activities of staff to ensure compliance with established policies, procedures, and standards.
Worked with surrounding partners such as Loss Mitigation, Bankruptcy and Foreclosure Delegated tasks to team members according to individual strengths. Worked claims for recouping losses
Worked closely with upper management to develop strategies for improving operational efficiency within the department.
Worked and review claims to make sure we maximize recovery and minimize losses. Communicating and problem solving issues that come up with investors. Demonstrated ability to manage multiple tasks while remaining adaptable and flexible. Worked with coworkers to complete tasks.
Participated in ongoing training to enhance own job skills and knowledge.
• •
• •
• •
• •
•
•
•
•
•
•
•
•
•
•
•
SENIOR CLAIM FILER
QUICKEN — Detroit, MI
Apr 2013 - May 2015
DEFAULT CLAIMS SPECIALIST
FLAGSTAR BANK — Troy, MI
Dec 2008 - Apr 2013
INSURANCE/ESCROW
FLAGSTAR BANK — Troy, MI
Nov 2001 - Dec 2008
Worked pipeline and filed claims by all investor for reimbursement Worked with cash to rectify reimbursement funds within the loan. Collaborated closely with other departments to ensure proper management of files. Implemented new policies and procedures for the maintenance of filing systems. Ensured that all necessary claims were filed correctly and on time. I did loss analysis on all loans to minimize losses. Utilized appropriate job aids, knowledge and tools to process initial reception of claims. Analyzed claims data to determine appropriate resolution of cases according to company policies and procedures.
Ensured timely filing of claims reports with regulatory agencies as required by law. Moved cash with claim funds reimbursement on loans once completed. I did loss analysis on all loans to minimize losses. Worked with insurance agents to make sure that the borrower had the correct coverage that meant the requirements.
Responded quickly to meet borrowers needs and resolve problems. Committed to delivering excellent customer service while working in a fast-paced environment. Worked with borrowers in helping with the LOMA application. Worked with the borrowers to make sure that they were comfortable and understood in what was needed. Certifications
Working on Insurance License
References available upon request
References
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•