Education: Master Business Administration current

Experience:

HL Underwriter December 2008 to Present
Confidential, A mortgage underwriter reviews an applicant\'s credit score. An underwriter looks at how an applicant handles paying their monthly bills. The underwriter examines whether bills have been paid on time or if any were paid more than 30 days late. The duties of an underwriter also include verifying the funds used for the down payment and closing fees. An underwriter reviews the last few months of an applicant\'s bank statements and asks for clarification on any large deposits to ensure that the funds came from the borrower and not from a gift giver or from another loan. An underwriter looks to see if an applicant has at least two months of reserves after the closing. An underwriter also reviews the value of the property the applicant is looking to buy. The underwriter examines the appraisal on the property to ensure that if the applicant defaults on the loan, the lending institution will be able to recover its losses.

Credit & Collection Associate December 2007 to June 2008
Confidential,Works to establish pre-access, patient/representative, financial responsibility and collections. Initiates collection process by contacting patients/representatives about date of service, deductibles, co-insurance, co-payments and self-pay balances. Evaluates potential to collect fees for services using software. Assist with the application process if it is necessary to ensure such insurance coverage. Establishes financial arrangements with patients according to policy. Evaluates credit history and determines payment dates and amounts based upon patients/representatives financial status. Recommends extension of credit and payment options to manager for approval. Works directly with community organizations, hospital staff, patients, and their representatives to facilitate the development of solutions that result in the mutually satisfactory reconciliation of patient account balances including, but not limited to utilization of charity care and third party financing. Interacts in customer-focused and compassionate manner to ensure patients and their representative's needs are met and they understand the hospital's financial policy, including resolution of personal liabilities through various payment options. Reviewing all designated accounts and following up to be sure they are paid in a timely manner by both insurance and/or patient. Works with Community Wide Scheduling, Patient Registration, Patient Accounts and the other departments as required and establishes an inter-departmental relationship that results in a patient centric customer service focus and optimal collections

Patient Access Manager March 2005 to October 2007
Confidential
Perform patient registration function when needed to ensure wait times are kept to a minimum. Ensure QA on registrations for all areas of registration. Provide continuous training for and communicates changes to existing employees, prepare payroll and completes monthly work schedules as needed to ensure adequate staffing levels follow-up on patient complaints promptly implement and promote excellent customer service Responsible for overseeing the operations of Patient Access Department. This includes insurance verification, registration, admissions, billing, collections, coding, as well as customer service. Responsibilities also include developing departmental budget and policies & procedures as well as maintaining internal controls over A/R and cash receipt functions, performs cashier and clerical duties in the finance department duties include collecting funds, issuing receipts, filing, explaining fee related information, data entry and maintaining records assist customers with service orders, billing process, rate or fee charges and payment requirements balances cash drawer; and accounts for funds reviews and verifies records and reports for accuracy.

Assets Adjuster November 2004 to March 2005
Confidential, Meet performance expectations for collection efforts for assigned accounts based upon
collection efforts for each assigned account, ensure that all delinquent accounts and assigned queues have been thoroughly work, order updated credit bureau report or initiate skip tracing process in accordance with established standards, review file loan services, initiate deferrals on accounts based upon written policy guidelines, process maintenance transaction according to guidelines

Customer Service Representative May 1999 to August 2002
Confidential,Dillon, South Carolina
Responsible for maintaining outstanding customer service as per company standards, generating sales, merchandising, and safeguarding company assets, ensure that each customer receives outstanding service by providing a friendly environment, which includes greeting and acknowledging every customer, maintaining solid product knowledge and all other aspects of customer service, maintain a awareness of all promotions and advertisements, assist in floor moves, merchandising, display maintenance, and housekeeping, assist in processing and replenishing merchandise and monitoring floor stock, aid customers in locating merchandise, communicate customer requests to management, assist in completing price changes within the department, participate in year-end inventory and cycle counts, assist in ringing up sales at registers and/or bagging merchandise

Administrative Assistant May 1997 to May 1999
Confidential, Performs various office related and accounting clerical duties to include answering incoming calls, serves as customer service representative collects payments balances cash drawer, operate computer system in the performance of accounting clerical duties, explains policies and procedures to the public handles complaints and services for services operate two way radio to maintain contact with service personnel, prepares service orders and dispatches, post revenues and expenditures to the appropriate accounts, separates, sorts, and process incoming mail performs other duties as required

Skills and Competencies:
Proficient in Microsoft office including Microsoft word, excel, adobe acrobat, windows xp and email applications
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram, form
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions and percentages

Activities: Shaw University work study account receivable
Carolina Youth Association secretary