H. Marseille Email & Phone Number

Orlando, Florida Area

Orlando, Florida Area

• Performed detailed review and credit analysis of residential mortgage loans submitted from originators to ensure the loans meet underwriting guidelines.
• Analyzed both credit and documentation deficiencies to determine the marketability of each loan; including income and asset calculations, employment history, credit score eligibility, and qualifying ratios.
• Ensured compliance with FNMA, FHLMC, FHA, VA, underwriting and mortgage lending regulations including RESPA, ECOA, FDPA, HMDA, CRA and Truth-in-Lending guidelines.
• Communicated loan status to Loan Originator and Processor throughout the process by responding to questions in a timely manner.
• Adhered to all applicable laws and regulations governing bank operations, including compliance with Digital Risk Policy and Procedures.
• Maintained proactive approach to condition clearing to increase pull through percentage and decrease overall cycle time (Minimum of 3 underwrites per day).

Orlando, Florida Area

• Acted as the primary point-of-contact for customers and reviewed applications for completeness
• Accepted HELOC and/or conventional, conforming underwriting-authority
• Ordered Appraisal, Flood and Title
• Followed-up on receipt of third-party documentation and services and documentation requested from customer
• Cleared conditions and prepared transactions for loan closing
• Used the decision-path of CLUES and AUS technology to gather credit-documentation from customers and third-party vendors

Orlando, FL

• Manage department of confirmers (account processors)
• Serve as point person for bank confirmations and authorizations
• Process and verify payments from sales while ensuring consistency of company guidelines
• Review all documents for accuracy and ensure that details are understood by account holders
• Complete and maintain daily sales reports and distribute accordingly
• Contact financial institutions to finalize payments

Orlando, Florida Area

• Managed staff of 25 -30 recreation and day care employees
• Maintained recreation and spa areas which consisted of 2 lagoons, 4 pools, and 6 spas (one million gallons
• Responsible for staffing and scheduling the d department
• Implemented new ideas to improve customer satisfaction and loyalty
• Developed and administered recreational events for all guests (child/adult
• Coordinated the implementation of team building events with focus on improvement in team morale, team cohesiveness, and process improvement

Communication And Media Studies

The field of communication studies that deals with how we communicate within organizations and one on one in interpersonal settings.

Associate Arts Degree, Communication, General