Deborah Coleman Email & Phone Number

Chesapeake, Virginia, United States

Oversight of the daily operation of the HMDA data collection and testing of all files Originated and Denied and Cancelled.Monitored, ensured, and supported loan information quality and integrity to ensure regulatory compliance by running weekly and monthly due diligence testing. Created and managed Dashboard view for tracking daily funded/shipped loans ready for audit and assigned loans to team members. Oversight and training of Reg B reporting pipeline views in Encompass for Credit Denials, NOI’s and Welcome Letters to ensure notification timelines were met. Assured that all HMDA reportable transactions were processed following the regulatory reporting requirement of thirty (30) days after the transaction was decided. Provided Senior Management with monthly reporting of any inconsistencies found in the HMDA Data as well as Reg B pipelines. Imported all HMDA reportable loans from the Loan Origination System (LOS) into CRA Wiz monthly to resolve all Validity, Quality or Census edits and supplied responses to the bank's Compliance Officer. Ran Quarterly LAR to show any changes or inconsistencies. Prepared monthly reconciliation report against LOS to CRA Wiz for bank’s Compliance Officer. Review all HMDA reportable loans on the LAR for 100% accuracy prior to the annual submission. Aided with regulatory exams and internal audits. Updated Policy and Procedures for changes in the regulation or at the request of the Director of Risk Management. Directly supervised 5 to 7 employees. Supplied reporting of Denied, Withdrawn, etc., files to Bank-BSA Quality Control, Mortgage-Quality Control, and Regulatory Risk Manager. Supplied monthly reporting to accounting for any outstanding unpaid Appraisal fees.

Oversaw the daily operation of the HMDA data collection and reporting. Monitor, ensure and support loan information quality and integrity to ensure regulatory compliance. Monitor the data gathering and verification processes in compliance with Home Mortgage Disclosure Act (HMDA) and Government Monitoring (GMI). Monitor federal regulations and their impact on HMDA. Report updates and interpretation changes to Loan Operations Management. Imports all HMDA reportable loans from Loan Origination System (LOS) to the Loan Application Register (LAR) following Regulation C – HMDA reporting requirements. Review all HMDA reportable loans on the LAR for 100% accuracy prior to the annual submission. Assure that all HMDA reportable transactions are processed per the regulatory reporting requirement of thirty (30) days after the transaction is decisioned. Coordinate and/or Resolve transactions that are unclear with the loan officer and compliance when necessary. Create, verify, and deliver the combined HMDA/Fair Lending file for vendor use in Fair Lending and Red Lining analysis. Prepare and review Underwriting analysis for Fair Lending and supply findings to Loan Operations/Risk Management. Assisted as needed with regulatory exams and internal audits. Directly supervised 2 to 4 employees.

Run Closed and Canceled loan reports each month for all Branches and reconcile the number of loans to the LAR report. Review initial LAR reports and review source documents from closed and canceled files (Note, GFE, TNL, Appraisal, Adverse Notice, etc.) to confirm the information in the file correctly documents the information on the LAR reports. Worked closely with the Bank's Compliance Officer to run quarterly final scrub of the LARS and made any adjustments needed. Aided in Corporate and Federal audits for prior years supplying the requested information and documentation. I worked directly with the Mortgage Operations Director and the Bank’s Compliance Officer. Closer – 1997 to January 2006 Responsible for files from closing to shipping to the investor. Coordinate closings with attorneys and title companies Review documents and supply the correct final closing package on time. Review final HUD statement for accuracy Daily funding for all loans Responsible for shipping and post-closing follow-up.