Lisa Talarico Email and Phone Number

• Audit and review all files to ensure all compliance regulations werefollowed• Work with Operations and sales staff to review and coach on best practices• Complete all Post Closing Clerical CD’s and trackdelivery to borrowers within compliance timelines.• Review post-closing Cures for all 0 and 10% tolerance regulations. Requestcheck and generate revised CD within compliance guidelines.• Perform Root Cause Analysis on all Credits given to identify anyprocess gaps within the current workflow• Work with Sales to implement new process flows and ensuretraining is completed• Review HMDA to ensure clear LAR for post-closing

• Manage a team of 19 closers and disclosure specialists• Ensure all team members are up to date with compliance training requirements.• Approve P TO and ensure all files are covered. Complete ann ualreviews and coach on best practice s• Audit each team members closed loans per month to ensure quality and accuracy• Manage the pipeline and meet with other department managers to ensureprogressive file movement to meet monthly goal• Train closers on ne w products and guid e lines• Review all compliance/Mavent fails on files to ensure guidelines are being met• Work with post-closing to resolve any issues so files can be dispositioned quickly

• Coordinated with sellers, buyers, escrow agents and real estate agents to completeloan submissions and scheduled closing dates.• Assist Loan Officers with Re-Structuring files to ensure the client has the mostcost-effective program available.• Audited variety of critical financial documents for completeness and accuracy,noting and resolving deficiencies and errors.• Prepared Initial Closing Disclosure and Final Closing Disclosure• Reviewed Fees and confirmed all compliance regulations were met• High Volume Closer handling ICD through funding authorization.• Monitor pipe line to hit target closing dates

• Oversaw scheduling of loan closings to satisfy home builder and borrower needs• Monitored pipelines to track and log status of loans.• Prepared HUD 1 Statements, balanced with title agents and Attorneys• Sent closing packages and issued funding authorization• Worked with post-closing to ensure timely purchase of closed files• Ensured all files were REG Z compliant

• Maintained checklists of required documentation and issues affecting closings.• Verified closing financial disclosure amounts against settlement and escrow agentfigures to accurately reflect borrowers' bottom-line costs.• Prepared preliminary settlement statements and loan closing instructions forreview by title companies and closing agents.• Prepared closing statements for Conventional, FHA, VA and USDA closings anddetailing important property information.• Collaborated with lenders, agents and legal professionals to resolve transactionaland title issues.• Analyzed identified defects and remediated issues by using established proceduresand available resources.• Verified government-backed loans followed strict agency guidelines.• Handled as many as 120 closing files each month by effectively organizing,multitasking, and prioritizing closing work.• Reviewed titles, insurance, and flood zone certifications, request and follow up onrevisions.• Assessed customer account histories to determine previous compliancewith payment plans and loan terms.• Collected and compiled paperwork such as title abstracts, insurance paperwork,loan files and tax histories.• Reviewed and validated details of loan applications and closing documentation.• Communicated acceptance or rejection to applicants via mail, email, telephoneor personal consultations.• Produced and submitted completed loan packages to title / escrow professionals.• Verified credit histories, references and employment backgrounds foreach applicant.