1. JOHN TRUSCOTT
9494 HUMBLE WESTFIELD RD #2914, HUMBLE, TX 77338, 832.519.4883, JOHN.TRUSCOTT48@YAHOO.COM
SUMMARY
Underwriting*Sales*Marketing
Seasoned professional with more than 10 years of experience in fast paced environment. Excellent Verbal and
written skills. Track record of achieving in exceptional results in critical analysis, service, and sales.
EXPERIENCE
6/1/2013 TO CURRENT Sutherland Global Services Houston Tx
UNDERWRITER
 Consistently exceeds all targets and goals
 Self starter, able to manage multiple tasks without supervision.
 Exam residential loan packages to assess risk for approval, modification or recommended rejection
 Kept abreast ofnew policies and procedures in an ever-changing environment.
 Reviewacceptable levels ofrisk with loan originators and or processors
 Decline excessive risks.
 Examine documents to determine degree ofrisk from such factors as applicant financial standing and value
and condition of property.
 Analyze credit data and financial statements to determine the degreeofrisk involved in extending credit or
lending money.
 Complete loan applications, including credit analyses and summaries ofloan requests, and submit to loan
committees for approval.
 Evaluate customer records and recommend based on earnings, savings data, payment history, and purchase
activity.
 Check loan agreements to ensure that they are complete and accurate, according to policies.
 Refer loans to loan committees for approval.
 Analyze applicants'financial status, credit, and propertyevaluations to determine feasibility ofgranting
loans.
1/1/2012 TO 6/1/2013 JP Morgan Chase Houston Tx
UNDERWRITER
 Underwrite and apply necessary conditions to assure that borrowers meet programand/or product
guidelines, utilizing great attention to detail to ensuregreat quality.
 Self starter, able to manage multiple tasks without supervision.
 Calculated income when required including selfemployment utilizing tax returns, W2's, and paystubs.
 Kept abreast ofnew policies and procedures in an ever-changing environment.
 Communicated approvals, suspense and denials to loan processors and loan officers.
 Routinely met and exceeded productivity and quality goals.
 Decline excessive risks.
 Examine documents to determine degree ofrisk from such factors as applicant financial standing and value
and condition of property.
 Analyze credit data and financial statements to determine the degreeofrisk involved in extending credit or
lending money.
 Complete loan applications, including credit analyses and summaries ofloan requests, and submit to loan
committees for approval.
 Evaluate customer records and recommend payment plans based on earnings, savings data, payment
history, and purchase activity.
 Check loan agreements to ensure that they are complete and accurate, according to policies.
 Refer loans to loan committees for approval.
 Analyze applicants'financial status, credit, and propertyevaluations to determine feasibility ofgranting
loans.

2. 3/1/2009 TO 1/1/2012 Penn Global Marketing/Watkins Agency Houston Tx
AGENT RECRUITER/MANAGER
 Developed base of long-termclients by using referrals and special-interestgroups to compile potential new
clients.
 Developed an individualized plan for clients by calculating and quoting rates for immediate cove rage and
long-termcoverage.
 Obtained underwriting approval by completing applications for coverage.
 Updated job knowledge by participating in educational opportunities, maintaining personalnetworks and
reading professional publications.
 Managed office staff on day to day operations
 Completed new agent licensing and training
 Work with branch managers on implementation ofAgency goals.
 Sell various types of insurance policies to businesses and individuals on behalfofinsurance companies,
including automobile, fire, life, property,medical and dental insurance or specialized policies such as marine,
farm/crop, and medical malpractice.
 Customize insurance programs to suit individual customers, often covering a variety ofrisks.
 Performadministrative tasks, such as maintaining records and handling policy renewals.
 Develop marketing strategies to compete with other individuals or companies who sell insurance.
5/1/2006 TO 2/1/2009 BHC MARKETING Houston Tx
SR MARKETER
 Recruited agents and financial advisors to sell products fromour core group of carriers.
 Identified marketing opportunities by obtainingconsumer requirements, determining competitors'strengths
and weaknesses, and establishing target marketshare.
 Met marketing and sales objectives by forecasting requirements, preparing budgets, and scheduling
expenditures.
 Sustained existing book ofbusiness by exploring specific client needs and anticipating newopportunities.
 Gather data on competitors and analyze their prices, sales, and method of marketing and distribution.
 Employ advertising, and communications programs and strategies.
 Combine secondary data sources with keyword research to more accurately profile and recruit.
EDUCATION
1984-1986 Texas A&M University College Station Tx
1986-87 North Harris Community College Houston Tx