Marilu Serralles
Casselberry,FL
Summary
Experienced with quality control processes and auditing techniques. Utilizes analytical skills to identify inconsistencies and recommend improvements. Strong understanding of regulatory compliance and effective communication to ensure team adherence to quality standards.
Overview
11
11
years of professional experience
1
1
Certification
Work History
QC Auditor II
DHI Mortgage
01.2022 - 11.2025
- Meet department audit and reporting guidelines
- Determine if proper procedures were followed in the origination, underwriting, and funding of the loans
- Conducted post-funding audits to verify loan documentation compliance with company policies and regulatory standards.
- Determine if the Underwriter correctly calculated and approved the loan in accordance with company policies and procedures
- Maintained meticulous records of audit findings and communicated results to management for informed decision-making.
- Provide input for decision-making to identify the root cause of problems identified within the audit
- Remain current with regulation changes from government/state agencies, as well as policy changes from agencies and investors and company policies and procedures
- Identified discrepancies in loan documentation and recommended corrective actions to enhance compliance.
- Participated in regular team meetings to discuss audit findings and share best practices for continuous improvement.
Underwriter
DHI Mortgage
07.2020 - 12.2021
- Maintain responsibility for the underwriting of manual loans or the validation of automated findings on government loans (FHA and VA)
- Reviewed loan applications and supporting documentation for accuracy and completeness.
- Prioritize RUSH's, Collateral Underwriter conditions, and newly submitted loans to meet the required turn-around time, acting on a minimum (if volume is present) of 100 loans monthly
- Conducted thorough risk assessments to evaluate borrower eligibility and potential loan performance.
- Maintain full delegation with FHA Direct Endorsement and VA Automatic with LAPP approval
- Indicate the conditions and approvals and enter the information into the Loan Origination System or Empower
- Act and approve all appraisals and complete the FHA Conditional Commitment and the VA NOV's when applicable
- Review and make decisions on bond loans and conventional loans from various investors and be proficient with all guidelines
- Upon rejection of a loan, notify the branch of their recommendation and submit the loan to the Regional Underwriting Manager for an in-depth second review
- Maintain frequent contact with the Processors, Mortgage Loan Originators and Branch Managers
- Conduct all business in a professional and ethical manner to serve customers and increase the goodwill and profit of the company
DE Underwriter
Loan Depot
07.2019 - 06.2020
- Being consistent with SLA's of 24-48 hours with management expectations of underwriting and condition reviews within daily basis have always met.
- I perform a detailed review of residential mortgage loan applications and documentation as submitted through our lending officers.
- These extensive reviews include but not limited to credit reports, income documentation, asset documentation collateral and other documentation as required to render an affirmed decision.
Underwriter
Freedom Mortgage Corporation
06.2016 - 11.2018
- Reviewed and assessed mortgage loan applications for compliance with FHA, VA, and conventional guidelines.
- Maintained accurate and detailed records of all underwriting actions taken and conditions imposed.
- Collaborated with loan processors and mortgage loan originators to ensure timely and efficient loan processing.
- Evaluated borrower credit histories and financial documents to determine eligibility for mortgage approval.
- Managed a high volume of loans monthly while ensuring strict adherence to timelines.
- Conducted thorough reviews of appraisals to validate property value in conjunction with loan applications.
Underwriter
Embrace Home Loans
01.2015 - 01.2016
- Performed underwriting for customers with home buying and refinancing needs
- Underwrote residential mortgage loans in accordance with above mentioned agency plus USDA, Non-Agency and Bond Programs
- Executed risk assessments to identify potential issues and mitigate financial exposure to the company.
- Maintained current knowledge of industry regulations and company policies to ensure compliance in all decisions.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Determined and documented loan conditions and communicated requirements and decisions.
Education
Business Administration
Lynn University
Boca Raton, FLSkills
- Quality control tools
- Effective communication
- Auditing techniques
- Teamwork
- Analytical thinking
- Professionalism
- Written communication
- Time management abilities
- Organizational skills
Certification
FHA DE Underwriter Certification, Chums #HR85
Languages
Spanish
Native or Bilingual
Timeline
QC Auditor II
DHI Mortgage
01.2022 - 11.2025
Underwriter
DHI Mortgage
07.2020 - 12.2021
DE Underwriter
Loan Depot
07.2019 - 06.2020
Underwriter
Freedom Mortgage Corporation
06.2016 - 11.2018
Underwriter
Embrace Home Loans
01.2015 - 01.2016
Business Administration
Lynn University