Chaz Bagley Email & Phone Number

Kennesaw, Georgia, United States

Remote

• Analyzed and issued credit decisions for VA IRRRL and Conventional Mortgage loan applications• Reviewed and made informed underwriting decisions on financial statements, credit reports and applicable ratios• Evaluated credit, income and assets on a loan-by-loan basis to properly assess individual risk• Ensured loan files are being underwritten to agency and investor guidelines• Reviewed property documentation including title commitments, sales contracts, insurance and flood documents

Responsible for driving company strategy and profitability by executing superior skills in merchant credit decisioning and risk mitigation while working effectively with cross functional terms. Expertise includes:• Evaluated the credit worthiness of prospective businesses in accordance with CAN Capital Credit policies• Obtained and reviewed business and personal credit reports, and perform credit investigations• Resolved conflicts constructively by maintaining and building relationships internally and externally• Demonstrated due diligence and attention to detail when processing deals with emphasis on quantity and quality• Identified gaps in credit and funding packages and communicated to partners the recommended best course of action

Responsible for underwriting applications with higher risk characteristics and higher lending grade. Expertise includes:• Effectively reviewed credit applications and provide Feedback as a learning tool for unique situations• Participated in audit/regulatory response, bank initiatives and process improvement efforts• Provided feedback to department supervisors to ensure department guidelines and procedures are followed• Monitored and report on economic trends that may affect Credit riskiness of current or future volume• Applied Excellence in Operations Management principles to drive efficiency, process improvements and quality

Atlanta, Georgia

Handled claims involving first party and/or third-party litigation, which may include complex/non-routine lawsuits, alternative dispute resolution and extra-contractual damages. Expertise includes: • Leveraged appropriate job aids, expertise, and tools to accurately and consistently handle complex injury claims• Handled claims with injury diagnoses which may be inconsistent with the vehicle damage or loss characteristics• Participated with management and counsel in the discovery and investigation process• Investigated complex coverage issues and recommends appropriate resolution to management• Negotiated and settled Auto claims to include verification of coverage and legal liability

Orlando, Florida

SUNTRUST BANK, Orlando, Florida 2009-2012FRAUD INVESTIGATOR Responsible for the identification, prevention, and resolution of fraudulent activity including review of new accounts, unusual client transactions, check and deposit fraud, card and online fraud. Expertise includes:• Researched and analyzed possible fraudulent activity on client accounts• Effectively worked independently, organized and prioritized work to meet all daily deadlines • Implemented more efficient, paperless procedures to perform extensive general ledger balancing • Received “Rookie Of The Year” award for providing outstanding quality work during high volume seasons • Processed Fraud claims for clients observing Regulation E Guidelines

Orlando, Florida

• Generated revenue by selling ads in the trade magazine and the online website • Provided new customers with support for online technical issues • Reviewed, analyzed and made recommendations regarding the correct layout of ads resulting in the faster sale of vehicles • Interacted in a friendly but professional manner to build good rapport with new and reoccurring clients during sales transactions and ad inquiries • Relayed in-depth knowledge to customers of the company’s advantages of online and magazine advertising compared to competitors • Monitored and detected online fraudulent activity