Nancy Marcano Email and Phone Number

Senior Mortgage Closing/Business Analyst (Morgan Stanley Project)•  Prepare closing documents for Morgan Stanley’s Ultra High Net Worth Clients•  Calculated closing fees and costs, lenders credits for closings up to $35 Million•  Execute wires for disbursement/funding for cases up to $35 Million

Sr. Mortgage Underwriter (Compliance)• Maintaining excellent customer service to clients as needed• Compliance underwriting- HMDA reviews• Reviewing loans to verify LTV and DTI calculations were accurate• Recalculating ratios both for LTV and DTI as needed• Verifying loans were processed correctly and denied for appropriate reasons

• Maintaining excellent customer service and communication with clients as needed• Review and approve credit documentation such as: income documents including pay stubs, w2s, tax returns; retirement and pension documents; appraisals and titles• Ordering Appraisal, Titles, Supplements, Disclosures and all Third-Party Vendors• Process HARP and Conventional Refinance/ FHA (CASH OUT AND NO CASH OUT) and FHA loan applications for both self-employed and salaried borrowers.• Review loan application packages for completeness and accuracy; reconcile application with system input.• Completed the processing checklist prior to submitting the file to closing; communicated with all necessary parties to arrange closing• Familiar with primary, second homes, investment properties, condo properties• Communicate with borrowers and personal bankers • Maintain pipeline of up to 40 loans per month with average monthly closing of 25 loans• Conduct credit checks, submit titles and appraisals. Evaluate credit and collateral abilities • Closing of loans and making sure they meet TRID/Compliance

• Provide clients with estimated completion date of criminal and background searches• Maintaining excellent customer service and communication with clients as needed• Reviewing court documents in order to provide clients with information requested Input search information and dates in clients websites• Be very detailed oriented when inputting information, must be exactly as written in court docket• Provide excellent customer service to all clients in a very timely manner and answer all questions that may arise regarding records or information provided by courts• Review hourly batch list, process oldest original client due date first• Review scanned results for completeness and accuracy. If necessary, create a ticket to the searcher for missing information or questions. Change results appropriately.• For online clients, change result to record found or possible record as applicable. Enter required data from Docket/Write up into the client’s website.• Process Team Open orders (P.Q.) for all other clients enter results into PubDocs/Online Worksheet and change results appropriately.• Complete other assignments as directed. Maintain flexibility in the evolution of the job description and duties.• Process results in Crim Fax Folder and IS PQ Tickets

• Communicate with internal support as required to ensure successful collections• Research circumstances or review records to respond to and address customer questions and concerns related to billing• Communicate with customer regarding their outstanding balances, listen to their needs and circumstances and offer payment option• Processing files once accounts were opened.• Tracking all accounts for accounting purposed• Inputting data in system regarding all accounts payments and or past due• Discarding of all documents for all closed accounts• Assuring all departments had copies of all necessary paper work needed to update information in data base

Calling on delinquent accounts for business credit cards• Maintaining excellent customer service and communication with clients as needed• Setting up payment on each call• Advising clients of payment plans and helping them pay their debts• Following bank guidelines on each call• Adhering to quality on each call• Meeting daily and monthly goals• Dealing with supervisor calls from angry clients when manager is not available• Solving fraud issues for clients on accounts• Taking all incoming Spanish calls

• Opened store daily• Proving excellent customer service and helping customers as needed• Insurance verifications and verification of patient demographics• Copying and faxing duties• Collecting co-pays and cash from patients, getting authorization on credit cards• Made daily bank deposit• Look up all patient records and faxed to other doctors and stores as needed• Entering charges, payments, and balancing the day in the computer.• Kept daily spread sheet of all cash transactions for corporate offices• Balance all credit card machines at the end of each day• Closed store nightly• Maintained daily sales goals

• Responsible for motivating a team of 16 folder receivers to meet monthly folder quotas• Coached employees during monthly call quality reviews to help staff attain desired customer service goals• Conducted weekly meetings to communicate updates and banker needs.• Responsible for completing monthly and yearly staff performance reviews, creating employee work schedules, tracking employee attendance and empowered to create employee performance improvement plans to include corrective action plans.• Addressed internal file issues by responding via e-mail to inquires from all levels of management, to include Vice Presidents and Mortgage Officers. • Responded to all inquiries in a timely manner, responding with a sense of urgency to any and all internal and external file and/or client related issues