(555) 432-1000,
Montgomery Street, San Francisco, CA 94105
Over ten years Management/ Underwriting experience. Extensive business experience including financial institutions, insurance companies, auto sales and service companies, retail companies, hospitality companies, and medical companies. Offer common sense, ability to take initiative, quality orientation, excellent customer service skills, flexibility, and the ability to see a job through. Detail oriented and strong organization skills. Outstanding communication skills. Extremely hardworking and dedicated.
  • Guest services
  • Inventory control procedures
  • Merchandising expertise
  • Loss prevention
  • Cash register operations
  • Product promotions
ECPI University , Expected in 2012 Bachelor of Business Administration : Finance - GPA :
Allied Health Institute , Expected in 2010 Associate of Science : Medical Assisting - GPA :
William Monroe High Stanardsville, VA Expected in 2004 High School Diploma : - GPA :
Public Service Credit Union - Consumer Loan Underwriter II
Greeley, CO, 02/2011 - Present
  • Managed various projects/ departments (OCC project, Escalations, Cancellation Review Team, etc).
  • Serve as a SME (Service Matter Expert) and Team Lead.
  • Expertise in FHA/ FNMA/ FHMLMC/ WFHM/ Bank & Private portfolios credit policies, procedures.
  • As well as service specialty files such as MEDIATIONS/ BANKRUPTCY/ LITIGATED/ NACA/ CHA.
  • Review defaulted mortgages for potential workout options based on various factors within investor guidelines and delegation of authority.
  • Income calculation, Expense reconciliation, review credit reports and loan documents.
  • Analyze workflow policies/procedures recommending and implementing changes as appropriate.
  • Oversaw a focus group suggesting new ideas, implementing, and changing business procedures.
  • Created templates, Job aides, spreadsheets, and business tools to streamline our process and fill gaps for a more consistent workflow.
  • Identified process gaps between specialists and underwriters then provided actionable proposals to close gaps to procedures to correct deficiencies.
  • Work with various job tools including but not limited to; HPA Tool, SLOAD, IRC/ IDC, Web Direct, ER, MSP, ICMP, Share Drive, Excel spreadsheets, etc.
  • Handle escalation or complex files including but not limited to multiple businesses, S-Corps, LLC, Rentals, etc.
  • Passed C level delegation of authority test (DART).
Mississippi State University (Ms) - Business Manager
Starkville, MS, 06/2009 - 02/2011
  • Managed Workflow to ensure business was running properly.
  • Analyze and organize office operations and procedures, such as typing, bookkeeping, preparation of payrolls, flow of correspondence, filing, requisition of supplies, and other clerical services.
  • Prepare organizational budget and monthly financial reports.
  • Formulates procedures for systematic retention, protection, retrieval, transfer, and disposal of records.
  • Plan office layouts and initiates cost reduction programs.
  • Preparing tax returns and processing.
  • Create and maintain programs and reports.
  • Hired, fired, set performance standards, trained, wrote/conducted performance reviews.
Arch Capital Group Ltd. - Market & Finance Manager
Houston, TX, 06/2009 - 02/2010
  • Show and demo vehicles.
  • Analyze credit reports, able to recognize a conventional deal and turn over accordingly.
  • Disclose financial information to customers.
  • Sell credit insurance and service contracts.
  • Design and place advertising for special finance options.
  • Lead and implement various sales project initiatives.
  • Knowledgeable of state regulations regarding finance and the fair credit reporting act.
  • Hired, fired, and set performance standards, trained, wrote/ conducted performance reviews.
  • Maintain good lender relations.
State Farm Insurance - Underwriting Supervisor
City, STATE, 12/2005 - 06/2009
  • Managed teams workflow to ensure that customer service and business standards are met and procedures are current and in compliance with government and state regulations.
  • Review insurance applications to evaluate, classify, and rate individuals and groups for insurance and accept or reject applications, following establishment underwriting standards.
  • Examine documents such as application form, inspection report, insurance maps, and medical reports to determine degree of risk from such factors as applicant financial standing, age, occupation, accident experience, and value and condition of property.
  • Review company's records to determine amount of insurance in force on single risk or group of closely related risks, and evaluates possibility of losses due to catastrophe or excessive insurance.
  • Write to field representatives, medical personnel, and other insurance or inspection companies to obtain further information, quote rates, or explain company underwriting policies.
  • Decrease value of policy when risk is substandard to limit company obligation, and specifies applicable endorsements, or applies rating to ensure safe and profitable distribution of risks, using rate books, tables, code books, computer records, and other reference materials.
  • Assisted in hiring, firing, setting performance standards, training, writing/conducting performance reviews.

streamline, advertising, bookkeeping, budget, C, clerical, contracts, cost reduction, credit, customer service, filing, finance, financial, financial reports, firing, focus, government, hiring, inspection, insurance, Team Lead, Marketing, materials, Excel spreadsheets, office, organizational, performance reviews, personnel, policies, proposals, reporting, safety, sales, spreadsheets, tables, Preparing tax, typing, underwriting, Workflow

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School Attended

  • ECPI University
  • Allied Health Institute
  • William Monroe High

Job Titles Held:

  • Consumer Loan Underwriter II
  • Business Manager
  • Market & Finance Manager
  • Underwriting Supervisor


  • Bachelor of Business Administration
  • Associate of Science
  • High School Diploma

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