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).• Prepared letters for management signature on declined loans for accurate disclosure of reason(s) for adverse action.

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• Ensured loans are processed in accordance with Countrywide’s policies and procedures• Ensured loans are processed in accordance with established guidelines and Truth-in-Lending rules and regulations• Coordinated the drawing of closing documents• Reviewed and executed documents and coordinated the disbursement of funds, shipped loan files and assisted in training and supervising new Loan Specialists and reporting progress and/or concerns to Processing Manager and Branch Manager• Reported daily loan statuses to the Processing Manager and Branch Manager, while communicating processing delays, pricing disputes and program violations to the Processing Manager and Branch Manager• Generated, reviewed and sent Closing documents to Closing Agents• Performed all duties in accordance with Countrywide standards• Point person for all Title company communication• Great ability to maintain a working relationship with sales staff and still meet daily and monthly goals• Assisted in communication between loan applicants and loan officers • Processed and prepared for closing retail mortgage loans (conventional and government, purchase and refinance) • Setup files and order all necessary exhibits for appraisals and credit reports, check alternative documentation for accuracy and potential problems, order title insurance, flood and tax certificates and surveys, reviewing for problems upon receipt

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• Act as liaison between Accounting, Sales, and Customer Service• Maintain staff awareness of new company guidelines as established by senior management• Work with sales coordinators and accounting to resolve post billing discrepancies• Make recommendations for process improvements while handling all escalated matters• Assist in the coordination of special events both at home and abroad

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• Maintained functionality of pool/spa equipment• Ordered and managed supplies and inventory• Oversaw and setup of outdoor functions and supervised childcare facilities• Monitored and resolved all customer service matters• Assisted in day to day recreational operational duties including the cleaning and upkeep of all areas, assisted bar backs and bartenders, and supervising children 6 and up

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