Sonjo Harris
SONJO HARRIS
718 W. Milton Dr.| Arlington, TX. 76001|------------
S------------
OBJECTIVE
Motivated Independent Adjuster specializing in Auto, Property and Catastrophe loss and damages. Negotiating peaceful resolutions of all claims with an emphasis on quality, fairness and thoroughness. I’m Energetic, trustworthy and dependable. I hold experience in inside complete total loss, Auto field claims and VA Property claims.
SKILLS & ABILITIES
The Ability to work well without supervision as well as within a team environment. Able to prioritize and remain focused on the issues. Proficient with MSP, LPSD, Loan Sphere, NDC, Pacer, Microsoft Word, Outlook and Excel as well as many other databases. Quickly to learn and retain new concepts fast-paced and effectively under pressure, Desired self-starter with organizational skills and strong work ethic.
EXPERIENCE
Property Claims Adjuster | April 2018 – Present | E.A. Renfroe Claims Services/ State Farm
• Examines claim forms and other records to determine insurance coverage
• Responsible for all phases of CAT property claims adjusting
• Approving and adjusting estimates of damage and loss amounts
• Interviews, telephones, or corresponds with claimant and witnesses; consults police and hospital records; and inspects property damage to determine extent of company's liability, varying method of investigation according to type of insurance
• Communicating with external and internal stakeholders
• Estimates costs of repair, replacement, or compensation
• Prepares report of findings and negotiates settlement with claimant
• Recommends litigation by legal department and attends litigation hearings
• Revises case reserves in assigned claims files to cover probable costs
• Assists in preparing loss experience report to help determine profitability and calculate adequate future rates
• Collaborating with internal or external partners to ensure cost estimates are accurate and in compliance with applicable standards.
Initial Loss Reporting | October 2017 – January 2018 | E.A. Renfroe Claims
Services/ State Farm
• Provided Excellent Customer Service to the Insured as well as clients.
• Worked closely with personnel in Claims, to determine accurate settlement for auto claim losses within time frame of SLA.
• Maintained relationship with carrier contacts to facilitate communications on claims.
• Responds to conflict situations well.
• Communicate with customers and associates by phone, mobile app, click-to-chat and Internet reporting
• Corresponds with State Farm Inside/ Field Adjusters via telephone, as well in writing to negotiate and determine settlements in a timely manner.
• Determined if damaged vehicles were total losses based on insurance company criteria.
• Gather and document loss information
• Handle a large volume of calls in a collaborative team setting
• Use State Farm systems and technology, to indicate type of claim being filed
• Provide Customer with Claim Number, Claim Handler & Phone Number
Auto Claims Adjuster CAT Vehicle Inspection Site | August 2017 - October
2017 | E.A. Renfroe Claims Services/ State Farm
• Inspection of damaged vehicles to determine labor and material costs for restoration.
• Provided Excellent Customer Service to the Insured as well as clients.
• Responds to conflict situations well.
• Determined if damaged vehicles were total losses based on insurance company criteria.
• Examined damaged vehicles and classified nature of loss, determined if loss was a Flood 1,2, or 3.
• After repairs inspected.
• Worked closely with personnel in Claims, to determine accurate settlement for auto claim losses within time frame of SLA.
• Analyze claims to determine extent of company’s liability.
• Negotiate settlements with claimants in accordance with policy provisions
• Initiate payments, in Audatex and close claim files.
• Documented all activities associated with the claim.
• Write/Review the estimate.
• Set appointments.
• Make Initial contact with the policyholders.
• Drafted and Issued Settlement checks, informing the insured what all we are covering in the loss.
Bankruptcy Specialist II | May 2014 – November 2017 | JPMorgan Chase
• Managed pipeline and reviewed loans on a case-by-case bases to determine the best outcome for the company.
• Performed QC review on motion for relief, we would review the payment history to see if they met delinquency guidelines for referral, escalated findings to management.
• Built the payment history on a ledger to validate the accuracy of the payment history, confirming Pre- petition, post-petition and contractual payments.
• Submitted NOD (Notice of Default) for court filings, Approval of Agreed Order Stipulations based on banking guidelines
• Wrote procedures for internal and external auditing purposes
• Adjusted escrow and suspense accounts, to prepare responses and ledger for payment validation and accuracy of the loan history.
• Partner with attorneys, trustees, and cross- section of business teams to complete motion for relief orders to minimize bank losses.
• Mitigated delinquent loans to the foreclosure process to optimally facilitate corporate objectives.
• Execute loans that have been identified as service transfers by initiating the service transfer process within Loan sphere (LPS DESKTOP). Close any processes for service transferred loan reflecting active within MSP or Loan sphere.
• Ensured smooth mortgage servicing of accounts in bankruptcy, troubleshooting issues with documentation, researching accounts, providing information to debtor and attorneys, and building relationships to solve problems.
• Adjusted suspense buckets in MSP based on funds sent in from the trustee and the borrower.
• Audited suspense accounts within the Bankruptcy department. Tasks include executing manual post-petition payment histories, navigating the NDC trustee website to obtain payment information, verifying Pacer for lien treatment, payment research and posting payments.
• Streamlined the proof of claim process to increase productivity by 50%
Foreclosure Operations Specialist II/ Document Execution | May 2012 May 2014 | JPMorgan Chase
• Act as Team Lead to ensure production workflow remains consistent with department goals and expectations
• Perform thorough review of foreclosure documents for issues, discrepancies, or errors submitted by foreclosure utilities services processors
• Execution and preparation of relative foreclosure documents including: Substitutions or Trustees, Affidavits, Complaints and Assignment of Mortgage.
• Demonstrate excellent time management by effectively managing queues and assigned workload for daily production including distributing daily foreclosure reports.
• Frequently work in MSP and LPSD mortgage systems.
Default Operations Specialist I | May 2011 –April 2012| JPMorgan
Chase
• Performing backup for the CAS and Collections Department
• Updated system with requested 3rd party authorizations and cease and desist
• Researched and updated system with customer missing and/or misapplied payments
• The go-to person for organization assisted mortgage payments
• Top producer of regular and home-equity extensions
• Helped implement procedures for disaster extensions as well as process them
• Processed KANA requests (Chase email system)
TRAINING/CERTIFICATION
• National Institute of Adjusting
• Texas All Lines Adjuster
• State Farm Auto Independent Adjuster Certification
• State Farm Property Independent Adjuster
• Maintains other appropriate adjusters license and complies with continuing education requirements.
• TWIA
• THIG
• Homesite
• Lead Risk Assessor Certified
• Lead Inspector Certified
Software
Xactimate (Level 2), ECS, PTS4, PTS.5, CCC PATHWAYS, MITCHELL, SYMBILITY
Education
BS Political Science/ Public Administration
Walden University – Minneapolis, MN
SONJO HARRIS
718 W. Milton Dr.| Arlington, TX. 76001|------------
S------------
OBJECTIVE
Motivated Independent Adjuster specializing in Auto, Property and Catastrophe loss and damages. Negotiating peaceful resolutions of all claims with an emphasis on quality, fairness and thoroughness. I’m Energetic, trustworthy and dependable. I hold experience in inside complete total loss, Auto field claims and VA Property claims.
SKILLS & ABILITIES
The Ability to work well without supervision as well as within a team environment. Able to prioritize and remain focused on the issues. Proficient with MSP, LPSD, Loan Sphere, NDC, Pacer, Microsoft Word, Outlook and Excel as well as many other databases. Quickly to learn and retain new concepts fast-paced and effectively under pressure, Desired self-starter with organizational skills and strong work ethic.
EXPERIENCE
Property Claims Adjuster | April 2018 – Present | E.A. Renfroe Claims Services/ State Farm
• Examines claim forms and other records to determine insurance coverage
• Responsible for all phases of CAT property claims adjusting
• Approving and adjusting estimates of damage and loss amounts
• Interviews, telephones, or corresponds with claimant and witnesses; consults police and hospital records; and inspects property damage to determine extent of company's liability, varying method of investigation according to type of insurance
• Communicating with external and internal stakeholders
• Estimates costs of repair, replacement, or compensation
• Prepares report of findings and negotiates settlement with claimant
• Recommends litigation by legal department and attends litigation hearings
• Revises case reserves in assigned claims files to cover probable costs
• Assists in preparing loss experience report to help determine profitability and calculate adequate future rates
• Collaborating with internal or external partners to ensure cost estimates are accurate and in compliance with applicable standards.
Initial Loss Reporting | October 2017 – January 2018 | E.A. Renfroe Claims
Services/ State Farm
• Provided Excellent Customer Service to the Insured as well as clients.
• Worked closely with personnel in Claims, to determine accurate settlement for auto claim losses within time frame of SLA.
• Maintained relationship with carrier contacts to facilitate communications on claims.
• Responds to conflict situations well.
• Communicate with customers and associates by phone, mobile app, click-to-chat and Internet reporting
• Corresponds with State Farm Inside/ Field Adjusters via telephone, as well in writing to negotiate and determine settlements in a timely manner.
• Determined if damaged vehicles were total losses based on insurance company criteria.
• Gather and document loss information
• Handle a large volume of calls in a collaborative team setting
• Use State Farm systems and technology, to indicate type of claim being filed
• Provide Customer with Claim Number, Claim Handler & Phone Number
Auto Claims Adjuster CAT Vehicle Inspection Site | August 2017 - October
2017 | E.A. Renfroe Claims Services/ State Farm
• Inspection of damaged vehicles to determine labor and material costs for restoration.
• Provided Excellent Customer Service to the Insured as well as clients.
• Responds to conflict situations well.
• Determined if damaged vehicles were total losses based on insurance company criteria.
• Examined damaged vehicles and classified nature of loss, determined if loss was a Flood 1,2, or 3.
• After repairs inspected.
• Worked closely with personnel in Claims, to determine accurate settlement for auto claim losses within time frame of SLA.
• Analyze claims to determine extent of company’s liability.
• Negotiate settlements with claimants in accordance with policy provisions
• Initiate payments, in Audatex and close claim files.
• Documented all activities associated with the claim.
• Write/Review the estimate.
• Set appointments.
• Make Initial contact with the policyholders.
• Drafted and Issued Settlement checks, informing the insured what all we are covering in the loss.
Bankruptcy Specialist II | May 2014 – November 2017 | JPMorgan Chase
• Managed pipeline and reviewed loans on a case-by-case bases to determine the best outcome for the company.
• Performed QC review on motion for relief, we would review the payment history to see if they met delinquency guidelines for referral, escalated findings to management.
• Built the payment history on a ledger to validate the accuracy of the payment history, confirming Pre- petition, post-petition and contractual payments.
• Submitted NOD (Notice of Default) for court filings, Approval of Agreed Order Stipulations based on banking guidelines
• Wrote procedures for internal and external auditing purposes
• Adjusted escrow and suspense accounts, to prepare responses and ledger for payment validation and accuracy of the loan history.
• Partner with attorneys, trustees, and cross- section of business teams to complete motion for relief orders to minimize bank losses.
• Mitigated delinquent loans to the foreclosure process to optimally facilitate corporate objectives.
• Execute loans that have been identified as service transfers by initiating the service transfer process within Loan sphere (LPS DESKTOP). Close any processes for service transferred loan reflecting active within MSP or Loan sphere.
• Ensured smooth mortgage servicing of accounts in bankruptcy, troubleshooting issues with documentation, researching accounts, providing information to debtor and attorneys, and building relationships to solve problems.
• Adjusted suspense buckets in MSP based on funds sent in from the trustee and the borrower.
• Audited suspense accounts within the Bankruptcy department. Tasks include executing manual post-petition payment histories, navigating the NDC trustee website to obtain payment information, verifying Pacer for lien treatment, payment research and posting payments.
• Streamlined the proof of claim process to increase productivity by 50%
Foreclosure Operations Specialist II/ Document Execution | May 2012 May 2014 | JPMorgan Chase
• Act as Team Lead to ensure production workflow remains consistent with department goals and expectations
• Perform thorough review of foreclosure documents for issues, discrepancies, or errors submitted by foreclosure utilities services processors
• Execution and preparation of relative foreclosure documents including: Substitutions or Trustees, Affidavits, Complaints and Assignment of Mortgage.
• Demonstrate excellent time management by effectively managing queues and assigned workload for daily production including distributing daily foreclosure reports.
• Frequently work in MSP and LPSD mortgage systems.
Default Operations Specialist I | May 2011 –April 2012| JPMorgan
Chase
• Performing backup for the CAS and Collections Department
• Updated system with requested 3rd party authorizations and cease and desist
• Researched and updated system with customer missing and/or misapplied payments
• The go-to person for organization assisted mortgage payments
• Top producer of regular and home-equity extensions
• Helped implement procedures for disaster extensions as well as process them
• Processed KANA requests (Chase email system)
TRAINING/CERTIFICATION
• National Institute of Adjusting
• Texas All Lines Adjuster
• State Farm Auto Independent Adjuster Certification
• State Farm Property Independent Adjuster
• Maintains other appropriate adjusters license and complies with continuing education requirements.
• TWIA
• THIG
• Homesite
• Lead Risk Assessor Certified
• Lead Inspector Certified
Software
Xactimate (Level 2), ECS, PTS4, PTS.5, CCC PATHWAYS, MITCHELL, SYMBILITY
Education
BS Political Science/ Public Administration
Walden University – Minneapolis, MN