CAITLIN HOWARD 2002 Stephanie Court, Auburn, AL | CaitlinSHoward@gmail.com | (205)382-1414

E D U C A T I ON

Auburn University, Auburn, AL

Bachelor of Science in Business Administration in Marketing May 2012, Marketing GPA 3.25

S U M M A RY OF Q U A L I F I C A T I O N S

Dedicated and goal-driven individual with a degree in marketing and a diverse background in commercial property and casualty insurance, mortgage processing, customer service, sales and marketing. Extremely organized, capable of creating reports and systems that effectively increase the accuracy and efficiency of processes. Customer oriented, capable of maintaining good-standing and personal relationships with clients. Extremely analytical, capable of reviewing data and effectively reporting to appropriate officers. Capable of working well under pressure and meeting strict deadlines. Expert in many databases, tasking systems, and other various programs including Sagitta, Image Right, Point, Onesite, Microsoft Outlook, Excel, and Word.

E M P L OY M E N T H I S T ORY

Licensed Account Manager, J. Smith Lanier 06/30/14 - Current

Opelika, AL

- Prepare certificates of insurance, evidence of property certificates, applications, invoices, and ID Cards

- Market accounts and bind coverage

- Work with prospects and customers to collect accurate data needed

- Prepare and submit endorsement request to carriers

- Relay important information and correspondence between the carrier and the insured

- Managed a multitude of different accounts every day

- Set up and maintain new and renewal clients in Sagitta.

- Configure proposals and renewal kits for the producer to present to the client

- Provide quality customer service to clients, carriers, and members of my team

- Review audits, endorsements, and policies for accuracy and update the agency management system accordingly

- Calculate premiums based on the insured’s exposures

- Maintain an accurate suspense systems on all items that require a response

- Field phone calls from insureds regarding questions about their coverage, changes, additions, payments, cancellations, etc.

- Able to maintain an accurate and efficient workflow by inputting and maintaining data on the account management system and electronic filing system

- Submit online applications and generate quotes through various carrier websites

Mortgage Assistant, Keystone Bank 12/17/2013 – 4/23/2014

Auburn, AL

- Closed an average of 11 loans per month, a dollar amount of $2,851,800 per month

- Closed and modified conventional, VA, FHA, one-time close construction loans, cash-out refinance, and no-cash out refinance loans

- Ensured timely and accurate processing of all loans originated by loan officer

- Provided support to loan officer by collecting information, ordering documents, and taking each loan prospect from pre-approval to closing

- Ordered credit reports, tax transcripts, title insurance, declaration pages, verifications of employment, verifications of mortgage, verifications of rent, payoff statements, termite letters, flood certifications, and other necessary documents needed for investor approval

- Reviewed and verified borrower’s income, credit history, employment, home owners’ insurance, title insurance, and property appraisal

- Analyzed credit reports, bank statements, flood certifications, declaration pages, title commitments, appraisals, HUD statements and other required paperwork

- Ensured loan information and paperwork was complete, accurate, and complied with company and investor policies.

- Input proper loan information into appropriate system for processing and closing

- Developed process logs and checklists to ensure timely and accurate processing of all current loans.

- Practiced excellent communication and organizational skills with loan officer in order to meet crucial deadlines.

Concierge, Aspen Heights 7/1/2012 - 12/20/2013

Auburn, AL

- Leasing:

Filled out and explained laws and regulations pertaining to the lease paperwork

Created common practices for leasing organization: Lease paperwork communication log, subleasing checklist, lease file checklist, prospect phone call questionnaire, prospect email follow up template, lease guaranty follow up email template

Completed background and credit checks on applicants and guarantors and followed up with any discrepancies

Assisted leasing manager in leading weekly meetings and training sessions for part-time leasing agents

Conducted a weekly Auburn student housing market survey

- Marketing:

Uncovered prospect’s individual needs to better accommodate them during property tours

Conducted follow up phone calls and emails with prospects

Maintained company guidelines for tour closing ratios

Maintained resident retention by conducting specific marketing toward current residents

Assisted leasing manager with marketing events and promotions

Led focus groups to uncover target market needs

Increased social media engagement by hosting social media contests

- Operations:

Assisted operations manager by analyzing and explaining resident account balances to residents and parents

Created and followed up with resident maintenance request

Created common practices for office organization: tanning bed appointment book, resident package log, inventory checklist, opening and closing duties checklist

Led concierge roundtable meetings for concierges employed at other company locations

Developed and sent out monthly newsletter to residents and guarantors

A C C OM P L I S H M E N T S

- Licensed to sell property and casualty insurance in the state of Alabama

- Worked with a leasing team to lease property to 98% occupancy, with a 45% resident retention rate for the 2013-2014 lease term

- Aspen Heights Teamwork Award, December 2012

- Received Aspen Heights highest phone shopping score, April 2013

- Aspen Heights Top Above & Beyond of the month, November 2012, February 2013, and March 2013

A D D I T I O N A L RE L A T E D E X P E R I E N C E

Leasing Consultant, The Exchange July 2011 - July 2012

Auburn, AL

- Provide prospects with both physical and phone tours of the property

- Consistently met sales goals by uncovering needs and overcoming objectives

- Performed outbound and inbound marketing, consistently met goals for obtaining new prospects

Sales Associate, American Eagle Outfitters Spring 2010 - Spring 2011

Auburn, AL

- Consistently met sales goals by uncovering customer needs, making suggestions based on those needs, and overcoming any objectives

Sales Associate, Delia’s Summer 2007 - Summer 2008; Winter 2008; Summer 2009; Winter 2009

Birmingham, AL

- Consistently met sales goals by uncovering customer needs, making suggestions based on those needs, and overcoming any objectives