Seattle, Washington, United States
Former Sales Operations Manager, previous Modification Underwriter and Personal Lines Insurance Agent/Owner. Skilled at Home Loan Products and Servicing, Underwriting within Home Loan Retention Department, Personal and Business Lines of Insurance, Risk Management & Compliance Regulations, Staff Training & Supervision and Client Cultivation., Account Management - Manager/Supervisor - Client Service & Retention - Risk Analysis - Policy Financial Analysis - Underwriting Experience with - GSE & Non-GSE Loans - FHA/VA Loans - Government Loans - Commercial/Business - Special Situation Loans - Income/Debt Verification - Loss Mitigation - Insurance & Financial Sales - Compliance Regulation The postings on this site are my own and do not necessarily represent Bank of America’s positions, strategies or opinions
• Managed loan processes and ensure associates meet sales goals and maintain compliance and regulatory requirements • Monitor loan application quality, timely document collection, income asset calculations and provide coaching/training in order to increase overall team quality metrics • Collaborate with sales and fulfillment associates to deliver integrated, impactful solutions to drive operational excellence • Provide tangible improvements to customer experience and Close On Time Performance, pipeline surveillance and management to proactively resolve loan level escalations • Manage new hire development and proficiency with systems, technology, product and procedures • Leverage and Optimize One Team Execution: integrate with key centers of influence within the Home Loans Organization (Sales, Fulfillment, National Credit Lending) BAC Disclosure: "The postings on this site are my own and do not necessarily represent Bank of America's positions, strategies or opinions".
Bank of America – Modification Underwriting Department Home Retention Division (HRD) Underwriter/Assistant Regional Manager, Seattle, WA, 2009 – 2014 Hybrid underwriter able to process a variety of loans and offer modification options to homeowners. Programs were designed to address a variety of circumstances including job loss, underemployment, emergency situations, and military service. Started with Bank of America as a mortgage loan officer, promoted to the sole individual underwriter in Seattle in 2011, and became Assistant Regional Manager in early 2013. • Underwrote GSE, NON-GSE, FHA/VA and SFO’s loans. • Underwrote special loan programs including HAMP, DOJ and MHA programs. • Verified all sources of income by paystubs, P&L’s, financial statements, bank statements, social security/retirement statements. • Verified all mortgage accounts (primary and secondary homes) and income from rentals properties. • Reviewed all credit accounts to determine monthly payments and to avoid any discrepancies concerning monthly debt. Calculated income and debt ratios for each customer loan. • Conducted commercial/business underwriting. Validated all income sources from business using P&L’s, tax returns, bank statements and other income statements. Calculated business income and debt ratio’s in order to determine monthly income for clients. • Assisted and collaborated with office CRM team with daily underwriting guidelines. • Managed 13-HRD Underwriters West Coast Region, supervised daily metrics, and coached to increase underwriting accuracy and reduce errors. • One of 200+ underwriters to selected to Quality & Control Team 2013. Awarded for providing quality customer service to clients.
Allstate Insurance Company The Allstate Corporation is the largest publicly held personal lines property and casualty insurer in USA. Agency Owner/Exclusive Agent, N. Richland Hills, TX, 2004 – 2009 Purchased an agency of 300 policies across product types. Sold and serviced all major lines of insurance including auto, property & casualty, life and health, and commercial insurance sales. • Increased policy growth to total 750 polices and maintained 85% customer retention rate. • Prospected for new clients through client referrals, marketing campaigns, promotional programs, and centers of influence (local accountants, attorneys, networking groups). • Conducted strong client onboarding processes. Evaluated client’s needs, provided education around product offerings, effectively set expectations, and delivered on promises set. • Collaborated with Financial Sales Agents on retirement planning and Mutual Fund sales. • Analyzed various insurance options, calculated premiums, collaborated with underwriters, ensured policy requirements were fulfilled, executed and processed all paperwork, maintained bookkeeping system, handled policy renewals, managed claim inquiries, and oversaw administrative tasks. • Provided strong client service value. Maintained detailed notes, followed a systematic follow up schedule, and performed yearly client portfolio reviews for all clients. • Developed strong agency business practices. Developed sales forecasts and assumptions. Effectively managed budgets, profit and loss statements, cash flow analysis, and balance sheets. Considered economic sensitivity to products/services. Gained understanding of local competition. Maintained efficient back office. • Supervised all staff and hiring decisions. • Previously held insurance licenses: Property & Casualty, Life & Health, Disability, Long-Term Care • Previously held security licenses: Series 6 & 63
• Managed staff of 15 employees, 250 tennis members, coordinated daily operations, monthly newsletter publications, developed policies & procedures and scheduled and organized yearly events and promotions