Mortgage Loan Officer

• Mar 2023 - Present

Loan Officer

• Mar 2022 - Dec 2022

Mortgage Loan Originator

• May 2021 - Apr 2022

Liability Adjuster

• Sep 2014 - May 2020

- Mastered understanding the concepts of coverage, policy interpretation, exposure recognition and liability that I used to analyze and determine coverage to move towards resolving the insurance claim using best practices. - Maintained/Managed roughly 60 auto insurance claims daily - Duties included obtaining and documenting recorded statements from all parties involved for each claim filed, informing parties involved of the relevant claim procedures and processes. - Performed detailed background investigations on parties and vehicles involved in order to protect from insurance fraud and misrepresentation. - Coordinated with other associates daily in a team environment for continued education and discussion of best practices pertaining to auto insurance claims - Negotiated daily with customers as well as claimants for total loss, bodily injury settlements and diminished value claims. - Analyzed vehicle estimates, police reports, injury records and vehicle valuation reports to determine if all damages met accuracy and consistency requirements prior to issuing payment for settlement. Show less

Short Sale Analyst

• Aug 2011 - Sep 2014

• Review and analyze over 50 short sale packages daily (packages composed of HUDs, Contracts, Listing Agreements, Credit Reports and Tax Returns) • Contributed to recovering over $1 million in secured and unsecured debts and short sale closings. • Informed clients about options available to correct delinquency status in an effort to prevent foreclosure proceedings. • Negotiated and reviewed settlement and short sale offers in order to present to loan investors for approval. • Maintained full settlement authority representing Chase, Bank of America, and other investors as well as authority in various loss mitigation workouts: Short-Sales, Deed in Lieu, Modifications, Settlements and other options available. • Provided customers with alternative solutions including affordable modifications, payment plans and forbearance agreements to help borrowers bring their account current and/or settled. • Monitored assigned queues and followed up accordingly with borrowers, investors, realtors, and attorneys. • Reviewed all ongoing plans with borrowers, evaluate their needs and issues, and counsel them appropriately. • Analyze credit reports, loan histories, personal records, property values and assets to determine if sufficient equity and make recommendations to management. Show less

Inventory Assistant

• Jun 2006 - Aug 2009

• Documented all vehicle related data into the dealership database following each automobile purchase of Trophy Nissan from various automobile auctions around the Dallas/Fort Worth area • Contributed in the transporting of vehicles to and from various auction locations when needed • Inspected over 30 automobiles weekly in order to ensure they meet company standards in order to be purchased. • Provided customer service daily when sales associates weren’t able to provide assistance to potential or previous buyers • Maintained the dealership inventory system daily alongside the Inventory Manager to ensure functionality and order of the database aligned with company compliance standards. Show less

Sales

• Oct 2008 - May 2009

• Negotiated figures daily with potential buyers, highlighted automobile features and product information daily • Inspecting, comparing and contrasting competitive models and demonstrate vehicle operations to customers • Developing and maintaining relationships with new as well as existing customers while also using mediation skills to resolve negotiation differences • Reviewed over 30 customer profile leads daily in order to identify prospective buyers • Provided customer service to previous and potential buyers daily to ensure a positive car purchasing experience • Maintained database detailing contact-sales ratio of each sales person in an attempt to identify common practices/methods that positively impact sales goals established by management Show less