Summary
Overview
Work History
Education
Skills
Timeline
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Pascal Marseille

Chicago,IL

Summary

Results-driven professional with over 20 years of experience in mortgage underwriting, business analysis, and customer service. Skilled in evaluating financial risk, making critical lending decisions, and delivering exceptional client service. Proven ability to manage complex tasks, streamline operations, and support business goals across diverse industries.

Overview

28
28
years of professional experience

Work History

Reservation Sales and Service Representative

United Airlines
07.2023 - Current
  • Provide exceptional customer service to United Airlines passengers, addressing inquiries, booking reservations, and assisting with travel changes.
  • Efficiently handle high call volumes while adhering to company policies and ensuring customer satisfaction.
  • Collaborate with team members to resolve customer issues and improve overall service performance.
  • Maintain up-to-date knowledge of airline policies, promotions, and system changes.
  • Implemented upselling techniques to capitalize on existing client relationships for increased revenue generation.

Sales Development Intern

Talend
11.2022 - 12.2022
  • Prospected hundreds of leads through a multi-channel approach, including cold calling, emailing, videos, and LinkedIn messaging; qualified Directors and Managers and closed them on attending webinars
  • Collaborated and competed within an SDR team setting
  • Built and refined call scripts; designed email campaigns; created prospecting videos
  • Engaged actively in weekly performance reviews and coaching in a team setting with manager

Jumbo Mortgage Underwriter

Guaranteed Rate
10.2020 - 09.2022
  • Reviewed and analyzed jumbo mortgage loan applications, ensuring compliance with company and investor guidelines.
  • Assessed borrower financial data, creditworthiness, and risk to determine appropriate loan terms and conditions.
  • Collaborated with loan processors, sales teams, and management to ensure timely and accurate loan approvals.
  • Managed a pipeline of complex jumbo loans, maintaining high levels of productivity and accuracy.
  • Acknowledged as top-performing mortgage underwriter amongst a team of 90, executing the underwriting process for over 60+ customers monthly with an average transaction value of over two million dollars
  • Comply with audit and compliance regulations for internal and external audits

Retail Mortgage Underwriter III

JP Morgan Chase
02.2017 - 10.2020
  • Underwrote conventional and jumbo mortgage loans, evaluating risk and ensuring adherence to internal and external guidelines.
  • Reviewed income, credit, assets, and property documentation to assess the financial strength of borrowers.
  • Worked with cross-functional teams to resolve loan conditions and communicate approval decisions.
  • Ensure all controls and JP Morgan requirements are always adhered to, and any risk items are escalated immediately
  • Reviewed and analyzed Automated Underwriting Findings and determine acceptability to agency standards
  • Evaluated debt ratios, loan-to-value ratios, credit scores property valuations, and various other factors when making underwriting decisions

Business Information Analyst

HSBC USA
08.1996 - 12.2016
  • Analyzed business processes and system functionality to recommend improvements and support operational efficiency.
  • Collaborated with various departments to gather business requirements and develop effective solutions for internal systems.
  • Created reports, dashboards, and presentations to provide insights into business performance and support decision-making.
  • Assisted in the implementation of new technologies, driving efficiency improvements across departments.

Education

Sales Development Fellowship -

SV Academy
San Francisco, CA
12.2022

Associate of Arts - Finance

City Colleges of Chicago (Malcolm X College)
01.2016

Skills

  • Account Servicing
  • Mortgage Underwriting (Jumbo and Conventional)
  • Credit and Risk Analysis
  • Financial Documentation Review
  • Customer Service and Communication
  • Problem Solving and Critical Thinking
  • Process Improvement
  • Time Management and Organization
  • Microsoft Office Suite (Word, Excel, PowerPoint)
  • BASE SAS, SQL
  • Mortgage Underwriting Systems (Encompass, LoanProspector, DU/DO)
  • CRM and Reservation Systems
  • Data Analysis Tools

Timeline

Reservation Sales and Service Representative

United Airlines
07.2023 - Current

Sales Development Intern

Talend
11.2022 - 12.2022

Jumbo Mortgage Underwriter

Guaranteed Rate
10.2020 - 09.2022

Retail Mortgage Underwriter III

JP Morgan Chase
02.2017 - 10.2020

Business Information Analyst

HSBC USA
08.1996 - 12.2016

Sales Development Fellowship -

SV Academy

Associate of Arts - Finance

City Colleges of Chicago (Malcolm X College)

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Pascal Marseille