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It's Time to Embrace The Exclamation Point - Forty-three facial muscles stretch into more than 10,000 different expressions, plus hand gestures, body posture and eye gaze. All of this conveys a whole lot more feeling beyond spoken sentences.

Embrace Home Loans

But expression gets lost when communicating over text, email or Slack. In the workplace, people stress over how to make up for it: Is it professional to use wink emojis, "hahaha," or "lol?"

Perhaps the most controversial expression-replacement tool is the exclamation point.

If you email your boss "Hi!" is that pushing it? If you never use exclamations, do you come across as cold and humorless?

Maybe it's time we open the floodgates, peppering our emails and slacks with as many exclamation points as we desire. Maybe 2017 is the year we get over our fear of the exclamation.


Vyvyan Evans, communications expert and author of "The Emoji Code," calls this fear "the angry jerk phenomenon" — our worry that without some sort of added signal between the lines, people read work correspondence and assume we're cold, upset or otherwise miffed.

"One of the problems with digital communication is that it sucks the empathy out of the message," Evans says. "And so we can often misconstrue the message that someone is saying: the meaning behind their words."

The exclamation point has become the focus of this heated debate.

And Evans' research proves it's harder than ever to message humor, irony and sarcasm through a simple text email. He says people are far less formal with their business communications than a decade ago. Even emojis have made their way into the workplace because they often can express emotion better than words can.

That epitomizes the decision point at hand: how much of our emotional selves do we bring to our work correspondence?

Kaitlyn Anastasia, a 24-year-old administrative assistant at St. Bonaventure University in Allegany, New York, says she frequently waffles about when to include and exclude exclamation points.

"I've had bosses in the past who say, 'No, don't include exclamation points at the end,'" she says. "I personally don't mind [when people use them,] it puts me at ease a little bit because it affirms they're not angry with me. For my generation, a period abruptly ending a sentence like that can come off as mean, like you're getting yelled at or something or someone's mad at you."

According to Georgetown linguistics professor Deborah Tannen, Anastasia isn't alone. She says women are particularly torn when it comes to making this decision. If women use too many exclamation points to appear enthusiastic, for example, research shows they're viewed as less competent than their male peers. And if they don't use enough, they're not considered warm or likeable.

Tannen remembers one woman describing an uncomfortable situation: an intern confessed his initial impression of her.

"She said, 'What?! Why?' and he said, "Because your emails were so abrupt and to-the-point. No exclamation points, no caps,'" Tannen remembers "If we talk in ways that a person at work and in authority would talk, people don't like us. And that's what she fell into."

But as social media rules more of the world around us, including how we communicate, Tannen says we're going to see a shift in punctuation use at work. Maybe (finally) even changing the way we email at work.

Someone just has to make the first move.

Or rather, someone just has to make the first move!

Embrace Home Loans Adds Benjamin Giumarra, Esq. as Director of Regulatory and Legal AffairsMIDDLETOWN, R.I.--(BUSINESS WIRE)--Embrace Home Loans today announced the addition of Benjamin Giumarra, Esq. as its new Director of Regulatory and Legal Affairs. Giumarra comes to the organization with a strong background in legal, regulatory and enterprise risk mitigation in the consumer finance industry. In this role, Giumarra will work to enable Embrace’s business initiatives in an ever changing regulatory environment.

Embrace Home Loans

Before coming to Embrace, Giumarra had an impressive stint as director of Spillane Consulting Associates, Inc., where he became a trustworthy source for advice on the rapidly changing regulatory landscape. He served as regulatory advisor and business consultant but also led a team of experts with specialties including mortgage technology, secondary markets, compliance auditing, operational efficiency, strategic development and more. He has authored newsletters and articles providing practical advice to the consumer finance industry on hot button regulatory issues. He is a magna cum laude graduate of Boston University School of Law and admitted to practice law in Florida. He is associated with several trade associations and is frequently asked to speak on regulatory topics.

“I’m humbled by this opportunity,” said Giumarra. “Embrace’s values closely align with my own and serving in this caring, and professional environment will be extremely fulfilling. The authenticity and depth to which Embrace has adopted its core values make Embrace unlike any other company I’ve ever come across. From a compliance perspective, the people and practices in place have kept Embrace, and their customers, safe for many years, which itself proves it is a tremendous success.

Giumarra continued, “But Embrace’s existing strength in this area also opens up an exciting opportunity for me to focus more on facilitating business initiatives and improvements. I’ll work with various areas and provide legal and regulatory guidance in a creative and progressive manner. The future at Embrace seems to be bright – as bright as any in this industry. And I believe that attention to customer protections, aligning with effective company practices, will continue to differentiate Embrace for years to come. I’m extremely thankful for this opportunity – the chance to benefit from mentorship like this while also providing real value to such an organization. I can’t possibly think of anything better.”

“At Embrace, we are committed to bringing in the very best leaders, and Ben is an example of that,” said Peter Microulis, Chief Compliance Officer. “We are extremely optimistic of Embrace’s future and strongly believe that attention to compliance – not as a protector of the gates, but rather as a driver of procedures, and as a conduit for profits – is a key milepost on that highway. With Ben’s expertise in legal, regulatory and enterprise risk mitigation within consumer finance, he will be a true asset to our organization.”

Founded in 1983, Embrace Home Loans has remained a prominent leader in the industry, having helped borrowers and banks with an exceptional mortgage experience. Licensed in 46 states and D.C., Embrace has been recognized seven times as one of the Best Medium-sized Companies to Work for in America by Fortune and four times as one of the Fastest Growing Companies in America by Inc. The company has also been recognized twelve times as one of the Best Places to Work in Rhode Island, as the Most Community Involved Company in Rhode Island, and the Leadership Excellence Award by Providence Business News. For more information, please visit www.embracehomeloans.com.

Embrace Home Loans : Launches Innovative Compass PPE Integration - National lender partners with Compass Analytics to integrate its Compass’ Product, Pricing & Eligibility Engine (CompassPPE™), within Embrace’s Empower LOS, further empowering its loan officers to deliver outstanding service
Embrace Home Loans
Embrace Home Loans, a prominent leader in the mortgage industry, announced today the integration of CompassPPE™ API and mobile app into their Empower LOS.

Embrace remains focused on providing an efficient and streamlined mortgage loan experience to their customers, and this integration will provide Embrace employees, including over 200 loan officers, enhanced tools and features within Empower across multiple channels. Some of the most notable features of integrating CompassPPE™ within Empower include:

Quick-pricing of loan scenarios on mobile, tablet, or laptopFull investor coverage of pricing, guidelines, and LLPAsAutomation of locking, relocking, and extensions

“As an organization that strives to create an unparalleled experience for both our customers and employees, Embrace is excited to partner with Compass Analytics and employ their innovative technologies through this integration,” said Brian Gilpin, Vice President of Capital Markets at Embrace Home Loans. “This integration allows the automation of our lock policy to save our Capital Markets desk a tremendous amount of time, while enabling true, real-time risk management capabilities.”

Gilpin continued, “This will also equip our loan officers with the tools they need to deliver an even more outstanding experience for borrowers as well as enable them to increase their own competitiveness and close more loans. Additionally, as we continue to transform from a purely business-to-consumer approach to one that includes a business-to-business component, providing loan operation functions to banks and credit unions, these tools will prove invaluable to delivering exceptional service to their customers and members. We are confident this will be a truly valuable partnership.”

Embrace’s team is working with Compass Analytics to go live on February 16.

About Compass Analytics, LLCCompass Analytics is an innovator in the FinTech industry and a leading provider of pricing technology to lenders. Compass develops cutting-edge analytics and offers advisory and active risk management services to mortgage bankers, traders, investors, and banks. Compass’s suite of tools are revolutionizing the way home loans are formed and sold through the use of innovative real-time technology that we support with services, expertise, and guidance and include CompassPoint™, CompassPPE™, CompassBid™, CompassDirect™, and CompassCommit™.

Compass has offices in San Francisco, Washington, D.C., New York City, and Irvine.

About Embrace Home LoansFounded in 1983, Embrace Home Loans has remained a prominent leader in the industry, having afforded borrowers and financial institutions an exceptional mortgage experience. Licensed in 46 states and D.C., Embrace has been recognized seven times as one of the Best Medium-sized Companies to Work for in America by Fortune and four times as one of the Fastest Growing Companies in America by Inc. The company has also been recognized twelve times as one of the Best Places to Work in Rhode Island, as the Most Community Involved Company in Rhode Island, and the Leadership Excellence Award by Providence Business News. For more information, please visit www.embracehomeloans.com.

Embrace Home Loans Adds New Director of Mortgage Product Innovation - Embrace Home Loans, a prominent leader in the mortgage industry, announced today that industry veteran Parkes Dibble has joined the national lender as its new Director of Mortgage Product Innovation. In his role, Mr. Dibble will lead efforts to strengthen product depth and breadth and further transform the lender’s retail lending products.
 

“My vision for Embrace Home Loans is to inspire innovation within mortgage lending and help grow the business by creating a highly competitive edge that gains market share,” said Parkes. “The mortgage industry is incredibly competitive right now, making it critical for lenders to be different, innovative and creative. That’s what will set us apart. I’m excited to support their continued path of evolving retail lending and to be a true leader in the industry.”

When asked why Parkes chose Embrace, he cited the lender’s culture and commitment to both its customers and employees. “Embrace has a reputation for not only delivering outstanding, personalized service to its customers, but it is also known for being a great employer. Additionally, they continually give back to the communities it serves. Simply put, they are a terrific organization and a great fit for me.”

Bringing more than 35 years of experience, Mr. Dibble has held various leadership positions within the mortgage industry. Most recently, he was Vice President of Capital Markets Product Development for Charlotte, N.C.-based Deephaven Mortgage, where he was responsible for new product development and existing product positioning. He also previously served as Vice President of Counterparty Risk, Servicing and Vendor Management at Deephaven. Before that, he was Senior Vice President of Mortgage Operations for RoundPoint Financial Group, Senior Vice President and Chief Consumer Credit Risk Officer for First Horizon National Corporation and Senior Vice President at HSBC Mortgage Services, among others. He holds a bachelor’s degree in Mechanical Engineering and an MBA from Southern Methodist University in Dallas, Texas.

“Our industry is always evolving; therefore, we remain committed to staying out front by continually innovating our products and processes to maintain our position as one of the nation’s best and longest-standing independent lenders,” said Jeff McGuiness, Chief Sales Officer of Embrace Home Loans. “Adding Parkes to our esteemed leadership team will allow us to fine tune our strategy for innovation and growth. We’re thrilled to have him on board and confident he will be a crucial asset for us.”

As one of the nation's leading and fastest-growing mortgage lenders and bank support providers, Embrace Home Loans employs over 800 people at locations across the country. Since its founding in 1983, Embrace has been helping individuals find the mortgage solution that best fits their needs.

Over just the last three years, Embrace has experienced a 69 percent growth in revenue, demonstrating its success in delivering superior service to customers. The national lender has been regularly recognized for its outstanding solutions and service and boosts a 98 percent customer satisfaction rating and A+ rating with the Better Business Bureau.

Founded in 1983, Embrace Home Loans has remained a prominent leader in the industry, having afforded borrowers and financial institutions an exceptional mortgage experience. Licensed in 46 states and D.C., Embrace has been recognized seven times as one of the Best Medium-sized Companies to Work for in America by Fortune and five times as one of the Fastest Growing Companies in America by Inc. The company has also been recognized twelve times as one of the Best Places to Work in Rhode Island, as the Most Community Involved Company in Rhode Island, and the Leadership Excellence Award by Providence Business News. For more information, please visit www.embracehomeloans.com.

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