Ralph B.

(Barry) Higgins
Palm Harbor, FL. 34683 Bhiggins0419@yahoo.com / 727-784-1440

BACKGROUND SUMMARY
Detail oriented professional specializing in underwriting, lending and customer satisfaction within a financial institution. Strong people skills with the ability to persuade and establish a rapport in expanding a customer base. Works well with others to achieve company goals. Excellent risk analysis skills with a proven record of insuring quality and increasing profitability.

SUMMARY OF QUALIFICATION
Mortgage Processing Data Analysis Training Underwriting Risk Analysis Loss Mitigation

PROFESSIONAL EXPERIENCE
CHASE HOME FINANCE Senior Processor/Validator Reviewing and validating HARP mortgage refinances. April, 2010-Sept, 2012

Received Top Performer Award : July, 2012, February, 2013 Highest call monitoring average score of the site for last half of 2012 Earned High Meets rating: August and November, 2012 Overall scorecard ranked 11th of 82 for the period from July through December, 2012 Overall scorecard ranked 9th of 86 for the period from January through June, 2013

Customer Assistance Specialist Mortgage loan modification applicants called after submitting an application to give a single point of contact for the borrower. This position was an evolution of the Relationship Manager position. Consistently met or exceeded production and quality controls Assigned to be team Subject Matter Expert for underwriter submission reviews Ranked 2nd on team of 9 for overall quality

Relationship Manager Review mortgage loan modifications applications. Received three 103 point phone shops Achieved bonus in 12 of 14 months of eligibility Named team Subject Matter Expert on tax returns and Documentation

GTE FEDERAL CREDIT UNION April, 2002-August, 2008 Credit Analyst Underwriting, approving or denying a variety of consumer loan applications, including direct and indirect auto financing. Conducted tax return classes for employees involved in consumer lending. Held numerous training classes for new employees in both classroom and one on one settings. Selected for the Company Morale committee. Developed an employee survey that resulted in numerous departmental changes. Created written Dealer Direct policy and procedure manual. Chosen to be on test team for upgrades on the Consumer Loan system. Twice nominated by fellow employees for the Extraordinary Service award in 2008.

EDUCATION
Bachelor of Science/Business Administration, Ithaca College, Ithaca, NY Rex Johnsons University of Lending, Chicago, IL Top Graduate, Florida School of Banking, Orlando, FL

LinkedIn ID: www.linkedin.com/in/barryrhiggins