John Depinto Email & Phone Number

-Evaluate claims and determine coverage eligibility-Collect and analyze all necessary documentation and information to support claim processing-Conduct investigations and verify facts to resolve claims accurately and efficiently-Communicate with clients, policyholders, and brokers to obtain additional information or clarification regarding claims-Review and interpret insurance policies to assess coverage and liability-Calculate claim settlements based on policy terms and conditions-Prepare comprehensive reports and documentation related to claims processing-Collaborate with internal stakeholders, including underwriters and legal teams, to resolve complex claims

Fairfield, New Jersey, United States

• Underwriting of various products including Indirect Consumer Loans, Direct Consumer Loans, Indirect Dealer Auto Loans, Commercial lines and Loans, Executive Lines of Credit (2M+ Unsecured), Cash Value Lines of Credit (Leveraging Whole & Term Life Insurance) and Small Business products.• In-depth financial analysis of documentation including Personal & Business tax returns, Trusts, Brokerage, Commercial & Residential secured assets, Profit and loss and more.• Build, grow and maintain relationships with Dealers, Concierge Banking, Portfolio Management, Branches and interface with all Consumer Loan related departments.• Maintain credit policy standards and work toward meeting department goals.• Assist in preparation and facilitating of Audits, Quality Control & Fair Lending reporting on a frequent basis.• Successfully demonstrated the ability to meet deadlines, timelines and work independently without supervision and complete tasks effectively and in a timely manner.

Shrewsbury, New Jersey, United States

• Determine risk and compliance of loans, assuring loans are underwritten according to company and agency guidelines while assuring minimal risk for the company.• Reviewing of loan files to meet standards of FNMA, FHLMC, and investor guidelines and analyze client documentation including financial statements, credit reports, appraisal/housing documents and other supporting documentation• Extensive use and expertise with Automated Underwriting Systems (AUS) including Fannie Mae Desktop Underwriter (DU), Freddie Mac Loan Product Advisor (LP), Loan Beam and others systems in the underwriting process for Conventional, FHA, Jumbo and Non-QM loan files.• Responsible for quality control, analyzing, and mitigating risk during the underwriting process ranging from moderate to complex individual consumers, self employed borrowers, LLC’s, Corporations, etc. to qualify for products and programs which adhere to industry and government standards.• In depth analysis into credit risk depending on the class, verifying income and employment information, debt to income ratios, asset review and providing an overall decision logic specific to each individual borrower’s unique financial situation.• Knowledge of federal, state, local and government program guidelines to ensure loans are compliant and can be directed to the proper government owned enterprises.• Extensive experience and interaction directly with investors, warehouse banks and other equity firms to deliver files for final purchase of the assets after closing.

Reading, Pennsylvania, United States

• Review & analyze client documentation including financial statements, credit reports, appraisal/housing documents and other supporting documentation.• Responsible for reviewing, analyzing, and mitigating risk during the underwriting process which ranging from moderate to complex individual consumer requests, products and programs to adhere to industry and government standards.• In depth analysis into credit risk depending on the class, verifying income and employment information, debt to income ratios, asset review and providing an overall decision logic specific to each individual borrower’s unique financial situation.•Knowledge of federal and government program guidelines to ensure loans are compliant and can be directed to the proper government owned enterprises.•Reviewing of loan files to meet standards of FNMA, FHLMC, and investor guidelines

•Responsible for facilitating, underwriting & rectifying Payroll Protection Program applications submitted by various types business owners during the COVID-19 Pandemic for relief.•Collaborated collectively with teammates and individually on numerous projects to approve correct error, amend, decline and streamline applications based on a specific business need.•Continually learning, developing and helping facilitate technology based training to other members to demonstrate proper procedures to stay compliant with SBA guidelines for Underwriting purposes.•Demonstrated ability, knowledge and understanding of programs used in this role such as SBA E-Tran, ReflectionSessions (CPS), BDCMS, Microsoft Office Tools (Work, Excel, etc).

Red Bank, New Jersey

-Provide expert financial advice and quality customer service to Wells Fargo valued clients.-Find satisfaction in offering the right financial solutions to help clients with large expenses such as saving for college, buying a home, and planning for retirement.-Take pride in exceeding their clear-cut goals.-Building and managing lifelong customer relationships.-Responsible for matching customer’s financial priorities to beneficial products offered by Wells Fargo.-Analyze and process applications for Credit Cards, Personal Loans, Personal LOC and HELOC and perform loan closings.-Understanding our clients financial needs and showing them how to get the greatest possible value from our solutions.-Analyzing current customer relationships and proactively contacting customers with recommendations to help them achieve financial success.-Developing strong relationships with other Wells Fargo partners that enable them to introduce customers to specialists who can assist with specific financial needs and to maximize sales opportunities for partners such as Merchant, Payroll, Insurance, Premier Bankers, etc.

Point Pleasant Beach, Nj

-Work with small business owners to help them start, run and grow their business. -Use Wells Fargo's services and solutions to understand their financial needs through every step of the business lifecycle.-Open, maintain, and manage business deposit accounts.-Developing strong relationships with other Wells Fargo partners such as Merchant, Payroll, Private bank, Business Banking Advisory Specialist (BBAS), etc. to introduce new and existing business clients who can assist with specific financial needs and to maximize sales opportunities.-Analyze and process credit applications for Credit Cards, Business Term Loans, Secured Equipment Loans, Business Line of Credit, etc and perform loan closings.-Periodically visit new and existing business clients to strengthen, expand and enhance their business relationship with Wells Fargo.-Continue education quarterly of new business products, services and overall business lifecycle to further benefit clients needs and develop further as a banker.

Wall, New Jersey

Responsibilities: B2C, Cold Calling, Win Back, Customer experience, Training, Quality Control.Achieved #1 in Retention for the month of November, Saved over $593,216.28 in canceled contracts for NRG Home Solar during the month of November.

Wall, New Jersey

Responsibilities: B2C, Cold Calling, Win Back, Customer experience, Training, Quality Control.Achieved #1 in Sales for the month of October at NRG Home Solar.Achieved #1 Inside Sales Rep at NRG Home Solar for the 4th sales quarter of 2015!Achieved Top Inside Sales Rep for NRG Home Solar for overall performance in 2015