Michaelle Joseph
Miami
Summary
Analytical, organized and detail-oriented cashiering professional with expertise and experience in the different levels of cashiering. Including payment processing, creating financial reports, preparing bank deposits, queue processing wires. Collaborative team player looking to obtain a position and add value to the organization by utilizing extensive knowledge and skills.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Account services 2
Rocket Mortgage
12.2025 - Current
- Recorded and processed mortgage payments on borrower accounts, ensuring accuracy and timely updates
- Responds to borrowers inquires on payments, keeps tracks on of principal and interest paid
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Account Asso. 2
Mr. Cooper
04.2022 - 12.2025
- Performing account duties by recording and processing mortgage payments on borrowers' account
- Responds to borrowers inquiries on payments, keeps track on of principal and interest paid.
- Implemented community loan servicing processes
Front Desk (Part-Time)
KW Property
Aventura
04.2022 - 04.2025
- Executed front desk duties as first point of contact, ensuring positive visitor experiences.
- Greeted and signed in visitors, received and sorted mail, scheduled meetings, and coordinated office activities to maintain smooth operations.
- Prive Condominium Association.
Payment Processing
Community Loan Servicing
Coral Gables
08.2015 - 06.2023
- Performing accounting duties by recording and processing Bankruptcy payments from customers and trustees via MSP system.
- Submitting wires towards new servicers once accounts have been service release.
- Notified servicers via email upon completion of wire payments.
Telesales Rep Temp
Humana
Miramar
06.2015 - 08.2015
- Delivered information about Humana's products, value, and rates to prospective customers over the telephone, enhancing customer understanding.
- Achieved and surpassed individual and team sales and activity goals, contributing to overall sales performance.
- Participated in a collaborative sales team environment to drive results.
Loan Specialists 3
HSBC
Brandon
03.2014 - 06.2015
- Processing liens, apply additional research to have the proper info plus processing the checks to be released out to the county.
- Acquired and utilized product knowledge to assist customers effectively.
- Applied product knowledge to enhance understanding and improve service delivery.
Spoc Mortgage Collection Rep
HSBC
09.2012 - 04.2014
- Served as the single point of contact for customers to address mortgage account needs.
- Negotiated payment arrangements with customers to prevent mortgage delinquency, foreclosures, and repossessions.
- Answered an average of [100] calls per day by addressing customer inquiries, solving problems and providing new product information.
- Delivered exceptional customer experience to foster loyalty and retention.
- Investigated and resolved customer inquiries and complaints in a timely and empathetic manner.
Collections Mortgage Rep
HSBC
04.2012 - 09.2012
- Negotiate payment arrangements with customer to avoid mortgage delinquency, foreclosures and repossessions.
- Contact debtors regarding status of account and fees past due.
- Ensure to follow Fair Debt Collections Practices Act (FDCPA).
- Contacted debtors to inform them of account status and past due fees, facilitating timely payments.
- Handled an average of [100] calls per day, addressing customer inquiries, resolving issues, and informing customers of new products.
- Managed diverse customer service and administrative tasks to resolve issues promptly and enhance customer satisfaction.
- Asked open-ended questions to assess customer needs.
Financial Rep
Citi Bank
Tampa
01.2011 - 04.2012
- Delivered exceptional service to Citigold clients for banking, brokerage, and credit needs, enhancing client satisfaction.
- Facilitated communication with clients and financial center personnel via telephone, fax, and email to address inquiries and resolve issues efficiently.
- Assisted clients in understanding financial products and services offered by Citi Bank.
- Developed personalized financial plans to meet clients' unique needs and goals.
- Coordinated investment strategies to optimize client portfolios for growth.
Customer Service
Ryla Verizon DSL
Tampa
05.2010 - 01.2011
- Promoted excellent customer relations by fostering customer satisfaction and revenue growth through sales contacts.
- Explained product features and care to customers, facilitating informed purchasing decisions.
- Promoted customer relations, ensuring satisfaction and contributing to revenue growth through effective sales interactions.
- Cultivated long-term customer relationships, advising on purchases and promotions to enhance customer loyalty.
Reservation Customer Care
SuperShuttle
Clearwater
03.2010 - 05.2010
- Handled various customer transactions, including product information, reservations, quality control inquiries, and lost & found.
- Reservation Agents receive extensive in-house training through state-of-the-art technology, on the-job training, and classroom instruction.
- Described products to customers, ensuring clear understanding of details and care instructions.
Medical Billing Representative
Quest Diagnostics
Tampa
01.2007 - 02.2010
- Handled customer inquiries by telephone regarding verbal reporting of results, addressing service failure concerns and ensuring customer satisfaction.
- Recorded patient call history in files to ensure accurate documentation.
- Recognized critical quality service standards and measurement methods.
Operations Rep
Busch Gardens
Tampa
01.2002 - 09.2007
- Enhanced guest safety on rides.
- Provided face-to-face customer service, addressing questions about services and rides.
- Learned and applied product knowledge to assist customers.
Education
Associate of Science -
University Of Phoenix
Tampa, FLHigh School Diploma -
Franklin High School
Mesa, AZSkills
- Data integrity commitment
- Financial Transactions
- Financial Reporting
- Transaction Review
- Data integrity commitment
- Excel competency
- MS Windows proficient
- Problem solving
- Customer service adherence
- Strong client relations
- Quick learner
- Communication skills
- Transaction Review
Certification
Certified Notary Public
Timeline
Account services 2
Rocket Mortgage
12.2025 - Current
Account Asso. 2
Mr. Cooper
04.2022 - 12.2025
Front Desk (Part-Time)
KW Property
04.2022 - 04.2025
Payment Processing
Community Loan Servicing
08.2015 - 06.2023
Telesales Rep Temp
Humana
06.2015 - 08.2015
Loan Specialists 3
HSBC
03.2014 - 06.2015
Spoc Mortgage Collection Rep
HSBC
09.2012 - 04.2014
Collections Mortgage Rep
HSBC
04.2012 - 09.2012
Financial Rep
Citi Bank
01.2011 - 04.2012
Customer Service
Ryla Verizon DSL
05.2010 - 01.2011
Reservation Customer Care
SuperShuttle
03.2010 - 05.2010
Medical Billing Representative
Quest Diagnostics
01.2007 - 02.2010
Operations Rep
Busch Gardens
01.2002 - 09.2007
Associate of Science -
University Of Phoenix
High School Diploma -
Franklin High School