Arlene Kline, Cfe Email & Phone Number

St Petersburg, Florida, United States

Raymond James Bank - Retail Lending ● Reviews loan files to ensure required documentation is complete including residential lending and securities based lending loan products. Supports credit decisions.● Proactively researches and investigates exceptions, red-flags and concerns by gathering, analyzing and interpreting pertinent information and documentation.● Ensure potential risks are mitigated and all guidelines, requirements, and standards are appropriately met.● Appropriately assesses and responds to fraud indicators.● Prepares summaries of loan review findings for Senior Management by illustrating identified trends and exceptions. Follows up on any management action plans.● Tracks all outstanding exceptions to ensure resolution. Performs validation prior to closing out exceptions.● Proactively monitors regulatory changes and keeps lending staff apprised of updates.● Ensures the security and confidentiality of private customer information.● Initiates orders with third party vendors for validation of key loan characteristics.● Maintains expertise in quality control, as well as underwriting and compliance rules and regulations by participating in industry educational programs/resources. Ensures the Bank’s quality control plan, policies and procedures are updated accordingly.● Acts as a resource and subject matter expert for internal and external stakeholders regarding underwriting and compliance issues as they relate to credit risk.● Monitors residential mortgage fraud trends and cases at the local, state and national level. ● Maintains knowledge of Raymond James Bank loan programs, as well as secondary market investors’ underwriting/documentation requirements.● Proactively monitors regulatory credit related changes and keeps lending staff apprised of updates.

● Review and assess underwriting decisions of Underwriter I, II, and III for pre-funding full file QC review as well as early payment default, reporting and record retention.● Communicate deficiencies identified in underwriting work and file documentation and require remediation of errors prior to funding.● Pre-Funding Full File and Targeted Review daily on various issues as assigned by QC Manager.● Communicate with branch staff and branch management results of full file and targeted pre-funding reviews daily.● Respond to branch responses on pre-funding reviews and targeted reviews and clear files to close.● Update Pre-Funding and Targeted defect tracker and folder daily.● Assist in preparation of monthly Pre-Funding Report for QC Manager based on department Pre-Funding QC reviews in advance of the monthly QC meeting with management.● Review the Quality Control Vendor review, reporting and record retention.● Review the Quality Control vendor sample files monthly as assigned by Quality Control Manager.● Email the Quality Control vendor results to the branch staff and brand management as completed and respond to their responses.● Update the Quality Control Vendor tracker and folder daily until review is complete.● Prepare results of the review of the Quality Control Vendor for Quality Control Manager in advance of monthly meeting with management.● Pull information on loan files from FHA Connection and Encompass to include in summary of loan for QC monthly meeting and assist in preparation of monthly EPD Discretionary review report for QC Manager.● Self-Reporting to agencies or investor, Reporting and record retention.● Self-Reporting unresolved serious QC issues monthly to agencies or investors as directed by QC Manager.● Update Self-Reporting tracker and provide to QC Manager in advance of monthly QC meeting.● Provides training to Underwriter I, II, and III.● Assists other QC Auditors with underwriting issues and provides training when needed.

St. Petersburg, Florida

Raymond James Bank - Retail Lending ● Reviews loan files to ensure required documentation is complete including residential lending and securities based lending loan products. Supports credit decisions.● Proactively researches and investigates exceptions, red-flags and concerns by gathering, analyzing and interpreting pertinent information and documentation.● Ensure potential risks are mitigated and all guidelines, requirements, and standards are appropriately met.● Appropriately assesses and responds to fraud indicators.● Prepares summaries of loan review findings for Senior Management by illustrating identified trends and exceptions. Follows up on any management action plans.● Tracks all outstanding exceptions to ensure resolution. Performs validation prior to closing out exceptions.● Proactively monitors regulatory changes and keeps lending staff apprised of updates.● Ensures the security and confidentiality of private customer information.● Initiates orders with third party vendors for validation of key loan characteristics.● Maintains expertise in quality control, as well as underwriting and compliance rules and regulations by participating in industry educational programs/resources. Ensures the Bank’s quality control plan, policies and procedures are updated accordingly.● Acts as a resource and subject matter expert for internal and external stakeholders regarding underwriting and compliance issues as they relate to credit risk.● Monitors residential mortgage fraud trends and cases at the local, state and national level. ● Maintains knowledge of Raymond James Bank loan programs, as well as secondary market investors’ underwriting/documentation requirements.● Proactively monitors regulatory credit related changes and keeps lending staff apprised of updates.

Tampa, Florida

● Assist in Leading multiple complex projects with reporting, inventory, security, and meeting deadlines ahead of schedule. Continues communication with client and executive management to provide updates, progress, and assurance daily.● Delegate and assign tasks to employees, while also providing instructions on what is needed, as well as take feedback on ideas or suggestions to improve processes and procedures.● Lead QC underwriter, liaison between management and underwriters in which assign files, answer questions, and run reports accurately and efficiently.● Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.● Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.● Determining and documenting loan conditions and communicating requirements and/or decisions.● Identifies portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure.● Maintains knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines.

Tampa, Florida

● The Service Associate uses a consultative approach when engaging with existing clients regarding their service requests, including, but not limited to; mutual fund transactions, product services and features, balance inquiries, and solutions to customer service issues, in order to provide a high level of customer service to retain and/or increase assets under management.● Fulfills client service requests to their accounts, including but not limited to, address change, bank account information change, online assistance, and research of past transactions, in order to maintain accurate information and provide a high level of customer service. ● Processes unsolicited orders as requested by client in a timely and accurate manner. Uses consultative process to identify/address client needs through questioning and offering the most appropriate solution. ● Uses consultative approach to identify new services that maybe appropriate for the client. By discussing new or additional services relevant to the client, the service associate may act on opportunities to create value and present mutually beneficial solutions to the client. ● Through questioning, service associate explores current and future needs by executing appropriate sales leads and transfer calls to the Investment Guidance Group to build on current relationships with clients and potentially increase assets under management.

Tampa, Florida

● Complete quality control reviews on JCIII system and client job scope, viewing documents in client imaging system, and on electronic file naming convention. Provide feedback to production staff and management.● Thorough knowledge of all mortgage loan documentation and document recognition of notes, mortgages, AUS loan approvals, all closing documentation. Familiar with mortgage products including conventional, FHA, and VA and their unique characteristics. ● QC production staff files for accuracy, doing a research of client imaging system to verify all applicable docs captured properly.● Complete QC quality report; and provide periodic progress reports to management. Provide appropriate feedback to production staff and assist in retraining if needed.● Answer questions, address deficiencies with reviewers individually, and perform one-on-one training.● Excellent verbal and writing communications skills. Ability to work in a team environment towards a common goal.● Ability to effectively communicate via telephone calls to outside sources and obtain any and all missing documentation for loan files as needed.● Basic computer skills and ability to learn computer program for the position.● Proficient understanding of electronic file management.Data Validation Reviewer● Highly familiar with Residential Mortgage documents of all types.● Able to recognize and identify various product specific mortgage forms, disclosures, etc.● Understanding of AUS findings and all pieces of data contained within.● Able to read an appraisal report and extract pre-determined pieces of data.● Able to read credit report and extract pre-determined pieces of data.● Working knowledge of the relationship between critical mortgage documents and the manner in which they affect each other.● Responsible for meeting individual production standards set forth for each review.

Tampa, Florida

● Responds to customer inquiries via multiple channels as assigned by the supervisor. ● Utilizes systems and resources when responding to telemarketing and customer service inquiries, as assigned both written and verbal. ● Communicates product features and benefits and contract provision details. ● Performs all transactions in compliance with company guidelines and insurance regulations while meeting the needs of the customer. ● Analyzes and researches routine situations, offers alternatives, handles internal processes, and takes ownership to obtain satisfactory resolution.● Routes inquiries for internal departmental handling, other NYL Departments and AARP divisions as appropriate. ● Processes customer payments. ● Calculates or verifies electronically produced calculations relating to matters such as rates, quotes, cash surrenders and other policy values, settlement options, premiums, loans, and taxes in accordance with contract provisions and Company procedures. Assists with analyzing and reconciling electronic system variances resulting from erroneous adjustments made to customer on records in processing service requests. ● Provides routine data for reporting purposes and/or compiles data for reports as requested by Supervisor. ● Performs in a team environment both inside the call center and with other departments. ● Maintains satisfactory level of key performance indicators according to departmental requirements. ● Works shifts and high volume schedules that meet the needs of the business. May require overtime. ● Acquires and maintains a resident/Florida Life Insurance License and any non-resident licenses, as required. ● Performs projects and other duties as assigned.

Tampa, Florida

● Process loans approved by an Underwriter or an automated decisioning system. ● The HSS II will have credit signing authority within delegated limits. ● Will be responsible for clearing conditions and issuing changes to the terms on previously approved loans. ● Will be responsible for but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may processes subordinations; resolves appraisal disputes; depending on channel, may coordinate closing activities. ● The HSS II is responsible for processing of loans approved by an Underwriter or an automated decisioning system. ● The HSS II will resolve routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may process subordinations and resolve appraisal disputes. ● Maintains a high level of customer service by being proactive in communication with customers, sales partners, including banking center associates, realtors, etc.

Tampa, Florida

● Providing direct and remote supervision of inmates within housing and other areas of a jail, a courthouse complex, or secure perimeter as assigned to maintain a safe and secure environment.● Conducting frequent security checks for evidence of unauthorized activities and infractions of rules, responds to situations, and documents accordingly.● Receiving and processes inmates from officers and the courts, maintains inmates' property and directs inmates throughout the intake process.● Maintaining security and custody of volatile and violent inmates.● Observing conduct and behavior of inmates, responding to and controls emergency situations, and using appropriate levels of force to control combative, volatile, or hostile offenders.● Scheduling, supervising and canceling inmate visitations.● Supervising the dispensing of food in a timely fashion to inmates, ensuring all health and safety regulations are complied with.● Supervising inmates and trustee-inmates work crews.● Conducting metal and x-ray detection of individuals and materials before entering facilities, performing necessary searches for weapons and contraband, and completing reports.● Inspecting cells, housing areas, locks, windows, grills, doors, gates and perimeters of buildings and grounds for security purposes.● Transporting inmates to other facilities as required.● Running daily reports as required.● Entering information into a database to capture daily activities.● Communicating with the public.● Operating a master control center as required.● Performing other related duties as required.

Tampa, Florida

● As a Bilingual-Spanish and English speaking Fraud ACD Representative, you will answer a high volume of incoming telephone calls from our credit card holders whose accounts appear to have fraudulent activity. ● You will be responsible for reviewing security information and account activity with the callers, identifying the type of fraud and setting accounts up for investigations.● Other responsibilities include, but are not limited to, accepting calls from Debit Card members and providing assistance per procedures.● The representative will also take incoming calls with the purpose of determining the legitimacy of credit card applications. You will receive calls from Spanish speaking and non-Spanish speaking customers.

Fort Jackson, South Carolina

Entry Level Separation (ELS) Honorable Medical Discharge

Bachelor Of Arts, Interdisciplinary Studies, 3.85/4.0 - Magna Cum Laude

Activities and Societies: The Honor Society of Phi Kappa Phi

Associate In Arts, Liberal Arts

Activities and Societies: Phi Theta Kappa Honor Society

High School Diploma

Activities and Societies: ROTC