MARLON G. FULTON
Washington,DC
Summary
FINANCE PROFESSIONAL Customer service experienced and goal-oriented professional with diverse experience in marketing, business support, accounting, sales and management. Strengths include wide-ranging experience in business development, and patient scheduling. Effective communicator and problem solver, with broad knowledge Specialty appointments. Proficiencies include Microsoft Word, Excel, Harland Systems, Symitar Systems, Empower, PeopleSoft as well as: NMLS Registered Underwriting Scheduling Regulatory Compliance Credit Review Policy Training Medical coding Desktop Underwriting Findings FICS Insightful Manager with experience directing and improving operations through effective employee motivational strategies and strong policy enforcement. Proficient in best practices, market trends and regulatory requirements of industry operations. Talented leader with analytical approach to business planning and day-to-day problem-solving.
Overview
28
28
years of professional experience
Work History
Manager
City
- Of the Year (top loan production)
CRI Solutions
01.2010
- Personal Excellence Award- 2009, & 2011-Top Life/Health Insurance Sales
Chevy Chase Bank
01.2004
- By Home Equity Division as the top producer, and 2005 for highest loan production (averaged over $3.5 million dollars/month).
Vision Services Assistant
Kaiser Permanente
05.2018 - Current
- Greets and screens incoming patients
- Obtain prescription and process encounter forms
- Begins frame/lens selection process
- Receives Outgoing patients
- Determines cost of services and verifies benefit eligibility using computerized Systems
- Using computerized cash Control system
- Takes payment, and Validates procedures to track transaction, issues receipts detailing transactions
- Sorts form copies
- Balances and totals daily receipts
- Summarize transaction data on computerized equipment
- Forwards deposit and forms to designated personnel Investigates and reconciles cash variances
- Answers telephone and direct inquiries from patients
- Schedules follow-up or return appointments
- Requests, receives and returns medical records for optometry patients
- Contacts patients by phone/mail to inform them of delivery of their prescription, upcoming appointments, and follow-up appointments
- Interview patients to obtain basic ocular history and perform routine vision and screening and measurement examinations according to KP standards and applicable regulatory laws
- Maintain office and display area in a neat and orderly manner
- Performs other related duties as directed.
Appointment Specialty Clerk
Kaiser Permanente
06.2017 - 05.2018
- Verifies eligibility of both new and existing patient data when necessary, inputs data and obtains medical record numbers in accordance with pre-enrollment procedures
- Schedules appointments by utilizing the appropriate scheduling applications at the request of patients and providers, in accordance with established Regional or Service Area Specialty Department Guidelines for each department
- Informs patients of appointment data and give pre-appointment instructions as necessary
- Supports continuity of care for the Specialty providers and Ancillary Service Departments
- Helps process schedule changes, cancellations and rescheduling of appointments as necessary
- Answers and screens telephone calls, takes messages, or forwards calls as appropriate
- Views internal and external referrals and network provider information, pharmacy, appointment history, benefit eligibility patient information, lab orders, x-ray orders/results to ensure timely receipt of films to specialists, provider schedules, provider notes for specific scheduling information as needed, and cancellation of appointments
- Maintains and updates the Regional or Service Area Specialty Department Scheduling Guidelines
- Takes requests for future appointments and documents in the appropriate application for follow-up
- Informs the supervisor of any patient requiring immediate attention
- Notifies appropriate personnel of malfunctioning equipment (printers, computers, etc.)
- Assists in training program for new employees
- Performs other related duties as assigned.
Tele-Service Representative
Kaiser Permanente
03.2016 - 06.2017
- Responsible for receiving and directing phone calls, verifying identity and eligibility of callers
- Understanding member’s requests and schedules of appointments for medical treatments
- Recording documentation in medical records according to established workflow
- Responsible for connecting calls to Advise Nurse when indicated
- Providing information about locations of medical centers, pre-appointment preparation, and related member benefit information
- Assists members to select personal provider and pre-enrolls callers as needed
- Scheduling of video conferencing meetings for members with Telemedicine Appointments
Mortgage Loan Servicer
Signature Federal Credit
01.2015 - 03.2016
- Union
- Support the servicing of mortgage loans, entails working on default and/or non-defaulted loans
- Responsibilities include processing routine transactions, documenting loan history, responding to customer, investor, or other 3rd party inquiries, researching and/or preparing documentation, or analyzing requests in accordance with established guidelines and determining appropriate course of action
- Responsible for working with insurance agencies, taxation authorities, credit union members, and secondary market investors (FNMA) to disburse taxes and insurance payments in a timely manner
- Review default loans for referral to foreclosure and ensures that foreclosure actions on individual accounts are completed in a timely manner, according to investor/insurer, state, and regulatory guidelines, minimizing financial losses to the company
- Performs escrow analyses and accurately maintains mortgage loan accounts including performing routine transactions, documenting loan history, responding to customer, investor, or other 3rd party inquiries
- Prepares documentation, or analysis requests in accordance with established guidelines and determining appropriate course of action as well as obtaining all necessary documentation from outside mortgagors
- Performs member research on Private Label and Government (FHA and VA), Conventional and Sub-Prime loans in order to provide Mortgage Modifications, Partial Claim, Home Affordable Modification Program, Special Forbearances and Repayment plans
- Quality Assurance, audit accounts, review, analyze, research accounts to confirm that programs are following HUD and BAC guidelines and procedures
- Coach and trained teammates to acquire desire level of proficiency on the job
- Utilize FICS Software, to perform daily functions of escrow administration, collections, investor accounting, payment processing, loss mitigation, and fiscal year-end reporting.
First Mortgage Processor
Credit Union/ S3
04.2013 - 01.2015
- LLC
- Reviews all assigned mortgage applications submitted by loan officers and ensures completion of all required data
- Ensures all RESPA disclosures have been generated accurately and delivered as required (throughout entire loan process)
- Completes all processing tasks assigned for loan application in Mortgage Loan Origination System
- Orders and track status of: appraisal, flood cert, title report and credit supplements as required for loan completion
- Submits complete loan applications to underwriting for review
- Contacts members regularly to provide status update and request outstanding documentation as requested by underwriting or as required by credit union guidelines
- Maintains service levels for all processing turn-times as set forth by management including but not limited to mandatory disclosure delivery; member daily/weekly/monthly communication standards; loan submission to underwriting and loan clearance from underwriting
- Responsible for processing rate-lock requests in a timely and accurate manner
Loan Supervisor
Teachers Federal Credit Union
02.2009 - 04.2013
- Responsible for managing the Loan Servicing Department; ensured accurate and timely servicing of the Bank's loan portfolio; maintained the production of loan documentation relating to the opening, servicing and closing of all loans; ensured loans and agreements complied with state and federal laws, regulations and Bank lending policies and procedures
- Kept abreast of all changes in the marketplace regarding lending, including regulatory changes and formulated recommendations of any lending policy revisions including loan pricing
- Received operational bulletins and notified credit union management of regulatory changes and compliance issues
- Supervised and performed direct supervisory duties of departmental staff, coordinated staff for coverage in all related areas of the department
- Knowledgeable and skilled in all areas of servicing loans
- Conducted member service representative and loan officer training sessions regarding lending policies, loan origination system and over-all process of loan documentation
- Worked with collections manager to determine what collection letters were sent, maintained the follow up process, recommend charge-offs, approved/ denied extension requests, interacted with attorneys and collection agencies when necessary
- Prepared monthly delinquency and charge-off reports to be submitted/ reviewed by the vice president
Senior Account Executive/Loan Officer
Countrywide Home Loans
05.2007 - 11.2008
- Conducted outside sales calls to mortgage brokers in local markets in order to originate mortgage and home equity loan applications
- Provided underwriting guidelines to ensure that loan products conform to company guidelines
- Reviewed loan files to ensure proper completion and follow-through until loan closing
- Reactivated previous clients and seeking new business opportunities
- Assisted the center fulfillment manager in developing new market ideas and related marketing materials
- Remained conversant with trends in the local marketplace-more specifically, with regard to real- estate sales, property values, Broker activity and completion
- Extensive working knowledge of underwriting criteria utilized by conventional financing guidelines set by Freddie Mac and Fannie Mae
Residential Lending Sr. Loan Officer
Chevy Chase Bank
08.2002 - 10.2006
- Facilitated ongoing training to 10-12 retail branches in all facets of residential lending to include mortgage and home equity loan products
- Established and managed procedural and product process knowledge, and regulatory compliance standards
- Functioned as primary liaison between assigned branches and senior management to ensure proper compliance guidelines are followed
- Created and implemented marketing development strategies to develop new business and community banking relationships
- Developed and promoted activities to attract new channels of potential business referrals
- Communicated goals and results to all stakeholders via weekly, monthly and quarterly reports
Branch Manager
09.1995 - 08.2002
- Mortgage Financial Center
- Managed and performed branch lending functions and activities, including underwriting, maintaining and developing volume levels, and exercising authority under lending policy guidelines
- Interpreted statistical and accounting information in order to appraise fiscal soundness and operating effectiveness of branch
- Authorized credit approval while servicing existing accounts
- Resolved major credit and collection issues
- Coordinated and managed quarterly projects involving repaying outstanding loan portfolio for submission to company president
- Prepared month and year-end financial reports
- Projected annual revenue forecast
- Directed personnel management, training, performance, and workload management
Education
Bachelor of Science - Business Administration & Marketing
1990
Professional and personal references will be furnished upon request
Skills
- Strategic Planning
- Managing Revenue Projections
- Lead Generation
- Complex Problem-Solving
Timeline
Vision Services Assistant - Kaiser Permanente
05.2018 - Current
Appointment Specialty Clerk - Kaiser Permanente
06.2017 - 05.2018
Tele-Service Representative - Kaiser Permanente
03.2016 - 06.2017
Mortgage Loan Servicer - Signature Federal Credit
01.2015 - 03.2016
First Mortgage Processor - Credit Union/ S3
04.2013 - 01.2015
- CRI Solutions
01.2010
Loan Supervisor - Teachers Federal Credit Union
02.2009 - 04.2013
Senior Account Executive/Loan Officer - Countrywide Home Loans
05.2007 - 11.2008
- Chevy Chase Bank
01.2004
Residential Lending Sr. Loan Officer - Chevy Chase Bank
08.2002 - 10.2006
Branch Manager -
09.1995 - 08.2002
Manager - City
Elizabeth City State University - Bachelor of Science, Business Administration & Marketing