CHESTER RATCLIFF
Yabucoa
Summary
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Overview
21
21
years of professional experience
Work History
Claims Processor/Auditor
Optum, UnitedHealth Group
09.2024 - Current
- Reviewed and analyzed claims to ensure accuracy, completeness, and compliance with company policies.
- Managed high volume of claims, prioritizing tasks to meet deadlines without sacrificing quality.
- Managed workload and priorities to meet claims processing meet deadlines.
- Collaborated with cross-functional teams to resolve complex claims issues efficiently and effectively.
- Utilized specialized software to process incoming claims, enter data and generate reports.
- Evaluated accuracy and quality of data entered into agency management system.
- Utilized excellent analytical and problem-solving skills to quickly and accurately assess insurance claims.
- Maintained strict confidentiality when dealing with sensitive information about patients'' medical histories or personal details.
- Developed and implemented quality assurance processes to check accuracy of claims processing.
- Improved speed and accuracy of data entry, utilizing advanced software and technology to support claims processing.
Appraiser Relationship Coordinator
Appraisal Network Services/ Appraiser Connect Serv
01.2024 - Current
- Managed multiple projects simultaneously while maintaining a commitment to quality workmanship.
- Assisted clients in understanding the appraisal process, setting realistic expectations for outcomes.
- Achieved successful dispute resolutions by providing clear explanations of findings during review processes.
- Answered customer questions and provided information about findings.
- Developed strong professional relationships with clients, fostering trust in the appraisal process.
- Contributed to the growth of the company''s client base through referrals from satisfied customers.
QC AUDITOR
LENNAR MORTGAGE
10.2015 - 04.2023
- 5+ years of TRID knowledge
- Performed QC audits to ensure compliance with established quality standards and procedures
- Created reports on non-conformances, conducted root cause analysis and proposed corrective action plans
- Maintained accurate records of all audits performed including test results, observations, conclusions and recommendations
- Collaborated with other teams to improve product quality
- Assisted in developing training programs for personnel related to Quality Control operations
- Coordinated employee orientation sessions aimed at introducing new hires to the company culture
- Collaborated with senior management in developing long-term strategies for improving workplace morales
- Reviewed compensation structure for all employees to ensure competitive salaries are offered
- Created job descriptions for all positions in the organization and conducted job analysis to determine duties, responsibilities and qualifications of each role
- Monitored attendance records across departments and took appropriate action when needed
- Managed recruitment process including advertising vacancies, screening resumes and applications, conducting interviews and providing offer letters
- Managed a Team of 25 employees in 4 separate Processing Centers nationwide
- Coordinated and maintained appraisal calendars, schedules, and deadlines for internal staff and external appraisers
- Maintained accurate records of all appraisals according to company policy and procedures
NATIONAL APPRAISAL MANAGER
LENNAR MORTGAGE
01.2013 - 10.2015
HOME VALUATION APPRAISAL COORDINATOR
LENNAR MORTGAGE
04.2009 - 01.2013
SENIOR MORTGAGE LOAN PROCESSOR
LENNAR MORTGAGE
09.2004 - 12.2008
- Assisted in developing new policies and procedures related to the appraisal process
- Attended training sessions on best practices for conducting residential real estate appraisals
- Utilized problem solving skills to identify potential issues that could affect the completion of an appraisal report
- Monitored daily performance of appraiser panel members to ensure quality control standards were met
- Evaluated appraisal reports for completeness and compliance with applicable regulations
- Ensured timely submission of accurate mortgage loan files to investors
- Prepared closing documents in accordance with investor guidelines
- Analyzed financial information, such as income, assets, liabilities, credit reports and appraisals to determine applicants' eligibility for loans
- Managed the pipeline by tracking progress of each loan file throughout the process
- Worked closely with underwriters and management team to resolve issues that arise during the processing stage of a loan application
- Maintained a high level of customer service while responding promptly to inquiries from customers, lenders, brokers and other departments
- Responsible for reviewing and verifying loan applications to ensure accuracy and compliance with all applicable laws and regulations
Education
HIGH SCHOOL DIPLOMA -
BRIDGEPORT SENIOR HIGH SCHOOL
Bridgeport, OH05.1982
Skills
- Debt Ratios
- Appraisal Reviews
- Effective and Professional Communication
- Critical Thinking and Analysis
- Staff Oversight and Leadership
- Standards of Excellence
- Loan Applications
Timeline
Claims Processor/Auditor
Optum, UnitedHealth Group
09.2024 - Current
Appraiser Relationship Coordinator
Appraisal Network Services/ Appraiser Connect Serv
01.2024 - Current
QC AUDITOR
LENNAR MORTGAGE
10.2015 - 04.2023
NATIONAL APPRAISAL MANAGER
LENNAR MORTGAGE
01.2013 - 10.2015
HOME VALUATION APPRAISAL COORDINATOR
LENNAR MORTGAGE
04.2009 - 01.2013
SENIOR MORTGAGE LOAN PROCESSOR
LENNAR MORTGAGE
09.2004 - 12.2008
HIGH SCHOOL DIPLOMA -
BRIDGEPORT SENIOR HIGH SCHOOL
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