Javier Santiago
Springfield,MO
Summary
I've worked as a property desk adjuster with American National Insurance in Catastrophe Team 4 under Laura Sebearle since March 2019 to the present. Experienced with property insurance claims management, including thorough investigation and resolution. Utilizes effective negotiation and communication skills to settle claims efficiently. Knowledge of policy interpretation and regulatory compliance ensures accurate and fair outcomes.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Property Desk Adjuster
The Best Claims
Phoenix, AZ
10.2016 - Current
- Analyzed property damage reports to determine coverage and claim eligibility.
- Reviewed policy documents to interpret coverage provisions and exclusions effectively.
- Conducted thorough investigations of claims, interviewing involved parties and gathering evidence.
- Trained junior adjusters on best practices for claim evaluations and customer interactions.
- Collaborated with field adjusters to ensure accurate assessments and timely claim resolutions.
- Evaluated insurance claims thoroughly to determine liability and settlement amounts.
- Collaborated with policyholders to gather necessary documentation for claim processing.
Property Desk Adjuster
SEDGWICK CMS
Atlanta, GA
02.2016 - 10.2016
- Evaluated property damage claims for accuracy and compliance with policy guidelines.
- Conducted thorough investigations to determine claim validity and identify fraud indicators.
- Collaborated with clients and stakeholders to facilitate seamless claims processing and resolution.
- Negotiated settlements with policyholders, ensuring fair compensation aligned with company policies.
- We used Symbility and Xactanalysis to process from initial claim review to the settlement of the claims.
- Managed approximately 20 incoming calls, emails and faxes per day from customers, agents and contractors.'
Customer Service/State Farm Insurance
Ranstad Staffing
Atlanta, GA
07.2014 - 02.2016
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Managed approximately 30 incoming calls, and emails.
Customer Service Associate
RANDSTAD/ STATE FARM INSURANCE
Alpharetta, Georgia
07.2014 - 02.2016
- Worked total loss claims from ordered reports sent out documents.
- We ordered documents from DMV to put title work in State Farm’s name.
- We assisted adjusters and claim representatives with work orders and task work.
- Managed approximately 40-50 incoming calls, emails and faxes per day from customers.'
Senior Mortgage Banker
Georgia Banking Company
04.2013 - 04.2014
- Developed customized mortgage solutions to meet diverse client needs and financial goals.
- Led client consultations to assess financial situations and recommend suitable loan products.
- Streamlined application processes, enhancing efficiency and improving turnaround times for approvals.
- Analyzed market trends to identify opportunities for product development and competitive positioning.
- Cultivated strong relationships with real estate agents, builders, and financial planners to generate referrals.
- Conducted training sessions on mortgage products and industry regulations for new team members.
Senior Mortgage Banker
Ameris Bank
Roswell, GA
04.2012 - 04.2013
- Collaborated with underwriting teams to ensure compliance with regulatory standards and policies.
- Increased loan production by successfully managing a team of mortgage professionals and streamlining the application process.
- Provided exceptional customer service by addressing client inquiries promptly and accurately.
- Negotiated favorable terms for clients during the closing process, securing competitive interest rates and fees.
- Educated first-time homebuyers on loan options available to them, guiding them through the entire application process seamlessly.
- Successfully navigated complex transactions involving multiple layers of financing, including subordinate liens and down payment assistance programs.
Senior Loan Officer
U.S. FINANCIAL SERVICES/ VETERANS MORTGAGE
04.2007 - 04.2012
- Evaluated loan applications to determine eligibility and compliance with underwriting guidelines.
- Developed tailored mortgage solutions for clients, enhancing overall customer satisfaction and loyalty.
- Mentored junior loan officers in best practices for client engagement and loan processing efficiency.
- Streamlined loan processing procedures, reducing turnaround times while maintaining high standards of accuracy.
- Conducted thorough financial analyses to identify optimal financing options for diverse clientele.
- Collaborated with cross-functional teams to implement strategic initiatives that improved operational workflows.
Education
COMPUTER INFORMATION SYSTEMS
DEVRY INSTITUTE OF TECHNOLOGY
DECATUR, GABAKER HIGH SCHOOL
COLUMBUS, GA05.1986
Skills
- Guidewire Claims Software, ImageRight Software, ECS, Advanced Claims, Symbility, Excel and Outlook
- Customer service
- Insurance policy knowledge
- Claims analysis
- Negotiation
- Policy interpretation
- Xactimate expertise
- Estimating software proficiency
- Teamwork and collaboration
Certification
TWIA, Tower Hill & State Farm (auto & property), Liberty Mutual, Safeco, CA Earthquake & USAA
Timeline
Property Desk Adjuster
The Best Claims
10.2016 - Current
Property Desk Adjuster
SEDGWICK CMS
02.2016 - 10.2016
Customer Service/State Farm Insurance
Ranstad Staffing
07.2014 - 02.2016
Customer Service Associate
RANDSTAD/ STATE FARM INSURANCE
07.2014 - 02.2016
Senior Mortgage Banker
Georgia Banking Company
04.2013 - 04.2014
Senior Mortgage Banker
Ameris Bank
04.2012 - 04.2013
Senior Loan Officer
U.S. FINANCIAL SERVICES/ VETERANS MORTGAGE
04.2007 - 04.2012
COMPUTER INFORMATION SYSTEMS
DEVRY INSTITUTE OF TECHNOLOGY
BAKER HIGH SCHOOL
ADJUSTER LICENSE
GA, NC, OK, WV, AK, NH, RI, MS, DE, LA, MN, OR, AR, NV, VT, CT, ID, KY, IN, SC, AL, WY, MT, FL & TX