JULISSA N. LEROUX

• Reviewed fully funded mortgage loan files for accuracy, completeness, and compliance with investor and regulatory requirements.
• Verified employment, income, credit reports, and property valuations to identify discrepancies and documentation deficiencies.
• Review TRID Documents to make sure they are in compliance.
• Worked with internal teams to resolve file issues and ensure timely loan delivery.
• Maintained high quality standards while managing multiple loan files simultaneously.
• Documented findings clearly and consistently to support quality control and audit requirements.

Previous Experience

• Accurately set up new purchases and refinance applications in Encompass.
• Established communication with customers to gather supplemental information required for mortgage loan processing.
• Reviewed financial statements and credit reports to validate accuracy.
• Requested FHA or VA case numbers.
• Coordinate and track third-party services including title report, flood certificate, HOI, and appraisal.
• Generate and distribute accurate loan disclosures (LE/CD) in compliance with TRID requirements.
• Expertly employed automated underwriting systems including DU and LP to assess mortgage loan eligibility.
• Collaborate with all stakeholders in loan process including underwriters, appraisal management companies, and closing agents
• Coordinated application workflow to deliver timely approvals and achieve lock expiration targets.
• Conveyed conditions to borrowers using clear, non-mortgage language
• Processed loan applications with endorsements for underwriting approval.
• Compiled essential documentation from applicants and monitored missing submissions.
• Uploaded documents to wholesale lenders portals.
• Managed, processed and closed 25-30 loans per month.

• Oversaw and processed mortgage pipeline of 30-35 loan applications from initiation to closing, ensuring accuracy, completeness, and compliance with regulatory requirements.
• Ensured high customer service standards by promptly addressing borrower inquiries, delivering loan status updates, and resolving concerns professionally.
• Maintained compliance with lending regulations, company policies, and industry best practices throughout loan processing cycle.
• Utilized loan organization software to input and track loan data, ensuring accuracy and completeness of information
• Validated and examined financial data including income, credit reports, and employment history to evaluate risk and eligibility of loan applicants.
• Collaborated with the closing department, title companies, appraisers and insurance providers to coordinate and obtain necessary documentation for loan processing

• Coordinated various administrative functions, including scheduling, billing/invoicing, payment handling, and patient check-in and check-out procedures
• Assisted patients in completing required documentation and forms
• Verified compliance with all required policies and procedures during day-to-day operations
• Obtained and verified insurance information
• Ensured that all patient inquiries and issues were promptly addressed

• Managed execution of up to 60 closings each month for branch focused on FHA, ARM, VA, conventional, 203k, and jumbo loans in Rhode Island, Virginia, and Massachusetts.
• Processed preliminary title fees for title companies
• Managed escrow accounts while ensuring timely disbursement of funds for taxes, insurance, and other obligations related to property transactions
• Coordinated with lenders, agents, and legal experts to mitigate transactional and title-related issues.
• Ensured compliance with TRID and CTC standards
• Tracked and monitored status of specific loans
• Verified purchase prices, seller credits, property taxes, and homeowner's insurance to issue close to accurate initial closing disclosures
• Reviewed interest rates, mortgage terms, and mortgage insurance rates during closings
• Performed quality assessments confirming zero instances of closing date violations.
• Uploaded necessary loan documents into specified portals

• Managed a pipeline of 65 loans per month while facilitating timely communications with Closers, Loan Originators, Loan Processors, Underwriters, and title companies
• Processed preliminary title fees for title companies
• Coordinated with lenders, agents, and legal experts to mitigate transactional and title-related issues.
• Ensured compliance with TRID and CTC standards
• Tracked and monitored status of loans
• Verified purchase prices, seller credits, property taxes, and homeowner's insurance to issue close to accurate initial closing disclosures
• Reviewed interest rates, mortgage terms, and mortgage insurance rates during closings
• Performed quality assessments confirming zero instances of closing date violations.
• Reviewed and cleared funding conditions
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files, and tax histories

• Held accountability for obtaining all pertinent documentation from borrowers, including bank statements, pay stubs, W2 forms, tax returns, and credit histories
• Processed appraisals alongside VA or FHA case numbers
• Coordinated closing procedures with attorneys or title firms.
• Tracked loan application progress from initiation to completion.
• Assessed provided information to evaluate feasibility of loan approvals for specific applicant
• Interacted with customers through in-person and telephone communication to handle inquiries, facilitate transactions, and troubleshoot issues.
• Discussed and explained loan terms and conditions with customers.