Jessica Marques Email & Phone Number

Manchester, Ct, Us

Marlborough, Massachusetts, United States

Danvers, Massachusetts, United States

Responsible for oversight of prefund QC process. Remained current on Conventional, HUD, VA, USDA, Jumbo, investor, state, federal guidelines and regulations including TRID and HMDA. Kept relevant records up to date and developed departmental policies and procedures. Responsible for monthly and quarterly reporting for pre-funding QC.• Engaged with pre-fund QC vendor to address findings in need of escalation.• Reviewed adverse disposition requests to ensure files met HMDA requirements… Show more Responsible for oversight of prefund QC process. Remained current on Conventional, HUD, VA, USDA, Jumbo, investor, state, federal guidelines and regulations including TRID and HMDA. Kept relevant records up to date and developed departmental policies and procedures. Responsible for monthly and quarterly reporting for pre-funding QC.• Engaged with pre-fund QC vendor to address findings in need of escalation.• Reviewed adverse disposition requests to ensure files met HMDA requirements and prepared denial letters.• Assisted with the review of monthly and quarterly HMDA LAR and Servicing QC reports to verify accuracy.• Conducted all 10% vendor reviews to validate vendor’s quality of work (full review of credit and compliance) Show less

Led team responsible for pre-fund and post-close QC. Remained current on Conventional, HUD, VA, USDA, Jumbo, investor, state, federal guidelines and regulations including TRID and HMDA. Kept relevant records up to date and developed departmental policies and procedures. Responsible for weekly pre-funding reports and monthly reporting of pre-funding/post-closing QC.• Responsible for oversight of prefund and post-close QC process, insuring reviews are completed in a timely manner and issues… Show more Led team responsible for pre-fund and post-close QC. Remained current on Conventional, HUD, VA, USDA, Jumbo, investor, state, federal guidelines and regulations including TRID and HMDA. Kept relevant records up to date and developed departmental policies and procedures. Responsible for weekly pre-funding reports and monthly reporting of pre-funding/post-closing QC.• Responsible for oversight of prefund and post-close QC process, insuring reviews are completed in a timely manner and issues are adequately addressed. • Engaged with post-close QC vendor to address findings in need of escalation.• Investigated potential fraud by conducting full re-underwrite and additional online research as needed.• Conducted all 10% vendor reviews to validate vendor’s quality of work (full review of credit and compliance) Show less

Greater Chicago Area

Led team of 10 responsible for pre-funding and post-closing QC, FNMA/FHLMC post-close file requests and Government Insuring for FHA, VA and USDA loans. Remained current on agency, investor, state, federal guidelines and informed the team of changes in a timely manner. Kept relevant records up to date and developed departmental policies and procedures. Responsible for monthly reporting of pre-funding/post-closing QC, denied loans and EPDs.• Investigated potential fraud by conducting full… Show more Led team of 10 responsible for pre-funding and post-closing QC, FNMA/FHLMC post-close file requests and Government Insuring for FHA, VA and USDA loans. Remained current on agency, investor, state, federal guidelines and informed the team of changes in a timely manner. Kept relevant records up to date and developed departmental policies and procedures. Responsible for monthly reporting of pre-funding/post-closing QC, denied loans and EPDs.• Investigated potential fraud by conducting full re-underwrite and additional online research as needed.• Responsible for reviewing and responding to all agency deficiency/repurchase requests with strong success rate.• Primary contact for post-closing issues relating to TRID, Insurance (hazard, flood, condo), QM/HPML. Show less

Greater Chicago Area

Educated staff on compliance issues and procedures, while creating programs that encourage staff to report impropriety without fear of retaliation. Ensured processes and procedures were adequate and met regulatory requirements.• Managed assessment and measurement of over-all risks; developed policies/procedures for risk management.• Investigated potential fraud cases by conducting full re-underwrite and additional online research as needed.• Collaborated with impacted departments to… Show more Educated staff on compliance issues and procedures, while creating programs that encourage staff to report impropriety without fear of retaliation. Ensured processes and procedures were adequate and met regulatory requirements.• Managed assessment and measurement of over-all risks; developed policies/procedures for risk management.• Investigated potential fraud cases by conducting full re-underwrite and additional online research as needed.• Collaborated with impacted departments to resolve compliance issues. Show less

Greater Chicago Area

Focused on attention to detail in underwriting credit risk on conventional loans. Evaluated the financial strength of borrowers to determine risk and repayment capacity, including analysis of credit, income, assets and collateral. Maintained compliance with lending, underwriting and government requirements. • Applied and interpreted guidelines to make a sound credit decision, while demonstrating open communication with loan processors, origination teams and management throughout the loan… Show more Focused on attention to detail in underwriting credit risk on conventional loans. Evaluated the financial strength of borrowers to determine risk and repayment capacity, including analysis of credit, income, assets and collateral. Maintained compliance with lending, underwriting and government requirements. • Applied and interpreted guidelines to make a sound credit decision, while demonstrating open communication with loan processors, origination teams and management throughout the loan process.• Identified red flags and escalated files to Compliance for fraud review when necessary.• 100% pull through ratio with no repurchase requests or material defects reported.• Gained valuable knowledge through extensive online courses pertaining to various loan types and programs, including Conventional, FHA, VA, USDA, Jumbo, Non-Conforming and Portfolio loans. Show less

Greater Chicago Area

Maintained and transitioned credit loan applications from file set-up to loan closing. Managed internal and external expectations of timelines, costs and processes. Sustained a pipeline of $2MM per month consisting of Conventional, FHA, VA and USDA loans.• Established rapport with loan originators and borrowers while delivering excellent customer service.• Reviewed files prior to underwriting submission and completed online courses to educate myself in areas I lacked underwriting… Show more Maintained and transitioned credit loan applications from file set-up to loan closing. Managed internal and external expectations of timelines, costs and processes. Sustained a pipeline of $2MM per month consisting of Conventional, FHA, VA and USDA loans.• Established rapport with loan originators and borrowers while delivering excellent customer service.• Reviewed files prior to underwriting submission and completed online courses to educate myself in areas I lacked underwriting knowledge.• Worked directly with underwriters to better understand requirements.• Primary contact for questions and issues related to RESPA (GFE, CIC, TIL) Show less

Chicago, Il

Education record

Ba, Business Management

Activities and Societies: Alpha Kappa Psi, Mahoney Residential College Staff Member Major - Business Management, Minor - Political Science