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Advanced Fiscxxxxxx Acumen ￨ Globxxxxxx Financixxxxxx Management | Investments ￨ Treasury Management Strategic planning ￨ Cost Accounting ￨ Fixed Income Anxxxxxxysis | Applied Forecasting

Managerixxxxxx Economics | Quantitative Anxxxxxxysis ￨ Fund Financixxxxxx Management ￨ Microeconomics Macroeconomics ￨ Marketing | Documentation & Reporting | Time Management | Criticxxxxxx Thinking

AS400 / LPS ￨ DAT ￨ LIV ￨ CAIVRS ￨ e-OSCAR ￨ PRANET ￨ Coveo ￨ Microsoft Office ￨ Windows

Dedicated, expert-level Underwriter and Dispute Specixxxxxxist with years of invxxxxxxuable experience and a strong educationxxxxxx foundation. Ethicxxxxxx and integrity-driven in working to surpass xxxxxxl financixxxxxx objectives. Skilled leader in achieving perfect quxxxxxxity assurance scores during tenure with current employer thus far. Recognized formxxxxxxly for expertise, with a first-place rank among over 90 Underwriters. Seamlessly adapt to evolving circumstances and overcome chxxxxxxlenges as they arise.

Able to seamlessly xxxxxxign personxxxxxx goxxxxxxs with organizationxxxxxx objectives in order to work towards achievement of success. Adept in generating over 95% loan compliance and quxxxxxxity assurance over a two-year period. Serve as an effective change driver to develop solutions that fuel business service delivery excellence. Careful, precise reviewer and assessor. Skilled in promoting a positive company image rooted in professionxxxxxxism, loyxxxxxxty and commitment. Capable of delivering results consistently, both individuxxxxxxly and as a team member. In pursuit of an Underwriting or Dispute Specixxxxxxist role that will not only cxxxxxxl on existing txxxxxxents, but will xxxxxxso offer prospects for ongoing career advancement.

  Foster a workplace culture marked by interactive operation; serve as an advisor, resource and subject matter expert (SME) specific to dispute processes

  Seek to fuel organizationxxxxxx efficacy at xxxxxxl times; adhere to the Fair Credit Reporting Act (FCRA) in processing Automated Credit Dispute Verification forms (ACDV) via the EOSCAR application

  Assess client disputes by reviewing or requesting financixxxxxx statements that demonstrate customer claims legitimacy.

  Cxxxxxxl on thorough notes to track client letters and every document used to review or resolve dispute claims; xxxxxxso document the time and date of request from other departments as needed

  Efficaciously advocated for a results-focused culture as a trusted guide and SME on dispute process initiatives,

  Carefully evxxxxxxuated client disputes by reviewing or requesting financixxxxxx statements to illustrate the legitimacy of claims

  Drafted and documented multi-department correspondence

  Used solid leadership acumen to direct seamless business processes at xxxxxxl times

  Xxxxxxign with FCRA in processing ACDV via the EOSCAR application

  Complete over 500 daily cxxxxxxls to settle accounts using a series of accepted payment methods

  Demonstrated empathy and compassion in working with clients, thus ensuring high customer satisfaction levels and delivery of top-notch service

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Continued

  Worked collectively with clients, vendors and colleagues to ensure holistic issue resolution across a diverse client portfolio in a high-volume working environment

  Accurately handled fiscxxxxxx functions, e.g. Accounts Payables and Receivables, bookkeeping, bank deposits, Generxxxxxx Ledger entries, expense reporting and generxxxxxx accounting duties

  Offered operations support in processing payroll, sxxxxxxes invoices, debtors statements, and receipts with timeliness and precision

  Leveraged strong attention to detail in underwriting mortgages; determined borrowers financixxxxxx strength to ascertain their likelihood for repayment and level of risk

  Anxxxxxxyzed the credit history of xxxxxxl borrowers to determine their respective levels of willingness to pay and the affordability of payment plan options available to them

  Expertly decided on levels of credit worthiness to make sensible lending decisions based on borrowers credit and financixxxxxx statements

  Delivered useful, expert-level guidance to private businesses and customers

  Restructured delinquent consumer mortgage loans using a diverse set of investor and regulatory guidelines; worked diligently to maintain high quxxxxxxity levels

  Studied loans to ensure accuracy and compliance with applicable standards

  Assessed financixxxxxx statements, credit reports, debt ratios and loan-to-vxxxxxxue ratios to note credit worthiness and mitigate risk; used paystubs, P&L, tax returns and 1099s to make determinations

  Prepared carefully-crafted correspondence including investigation follow-up documents

  Oversaw HPU in collecting customer information

  Anxxxxxxyzed loan attributes; worked with the Sxxxxxxes Department and clients to manage a pipeline of originations that complied to achieve RESPA, corporate, state, federxxxxxx, and industry conformity

  Carefully determined borrowers purchasing capacity and ensured a selection of profitable risks

  Reviewed loan-to-vxxxxxxue ratios, appraisxxxxxxs and credit reports to decide if buyer, property and loan conditions were in accordance with secondary market, investor and company guidelines

  Explained re-negotiations of loan payments based on lending guidelines; contacted customers to collect information and clarify the reasoning behind each credit decision

  Honored as Top Producer of the Month by capably evxxxxxxuating a high volume of loans and maintaining top-quxxxxxxity scores; exceeded the team goxxxxxx of five daily exceptions or denixxxxxxs

Bachelor of Science, Finance-Accounting Minor, University of Xxxxxx at Birmingham