Jake Cox Email and Phone Number

Department manager for the closing and funding depts of lending division. SME for compliance regulations, loan processes Have managed 30+ people at one timeDepartment was responsible for all loan document preparation, CD delivery, review of fees for compliance with QM, VA, FHA guidelines. Balancing and disbursing wires with title agentsCreating department policy and procedures to ensure accurate, efficient processes and compliance with state/federal guidelines Create controls and backstops in origination systems to create consistency and avoid errors throughout closing/funding process

Manager of the wholesale compliance division overseeing all aspects of compliance for the wholesale lending operationscompliance regulations in following areasRESPA,HMDA,MDIA,LE/CD, TRID, QMCreate company policy and procedures to stay up to date with federal and state compliance regulations Review new policy and procedure guidelines for other departments to verify compliance requirements Create controls and backstops in origination systems to create consistency and avoid errors throughout loan processReview and resolved audits findings from investors and regulators

I am the department supervisor for our submissions department. Responsible for managing a department of 10 people to review all loan submissions for our wholesale lending division. The department is responsible for ensuring all loan submissions are in compliance with TRID guidelines, along with federal, state and local high cost requirements.

I currently the team lead of our wholesale compliance support department. I am responsible for ensuring completed disclosures are in compliance of QM, RESPA, TILA, Reg Z, HOEPA and other state and federal requirements. I assist in training for new staff in the company's compliance procedures. I also help develop new policies and procedures for the continually changing regulatory environment.

-Gather and review all required information to prepare and accurate and compliant closing package-i.​e.​ state required forms, federal/state high cost guidelines, final closing figures, vendor wire instructions, updated payoffs.​-Review credit, appraisal, title commitment, survey, disclosures and other documents for expiration dates and closing conditions for approval and compliance.​-Review appraisal and underwriting documents to verify property and borrower information.​-Review all prepared forms and documents for accuracy prior to sending the package to the closing agent.​- Handle all closing and funding questions presented by the mortgage broker, real estate agents and title/closing agents.​- Balance Final HUD1 Settlement Statement and set up wire for loan disbursement

-Reviewed all executed documents to ensure accuracy-Reviewed and cleared outstanding closing and underwriting conditions-Verified accuracy of HUD-1 and distribution of payments to all closing parties-Verified borrower's employment with current employer