Tabitha Lulo Email & Phone Number

New City, New York, United States

• Maintained knowledge of all policies and modifications to the guidelines and standards of the company, federal housing programs, investors, and private mortgage insurers.• Ordered appraisals, titles, surveys, verifications, and any other items required for loan approval, conducting regular follow-ups with outside sources regarding outstanding documents.• Verified the data collected, analyzed, and decided whether it meets guidelines or if other documentation is needed; documented communication through the conversation log; ensures loan application complies with underwriting, investor, RESPA, and HMDA guidelines. • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.• Prepared documents for underwriting by verifying client income, assets, credit reports, and other information.• Monitored rate lock information for data integrity and expiration dates; communicates discrepancies to the Loan Officer.

Nanuet, New York

• Reconciled commission records with the accounting team and order entry system to ensure that the dealer commission is accurate.• Provided daily support to the sales team and dealers in response to inquiries regarding commission payouts, deductions, and commission calculations.• Reviewed data entries, calculations, and outputs with a high degree of detail to identify discrepancies and perform corrections and revisions.• Responded to commissions/bonus inquiries and provide data to various end users including sales executives, dealers, sales management, and operations management.• Ran reports, processed invoices, populated worksheets, performed calculations and distributed statements for Dealers, Sales Teams, and Management.

New York, New York

• Articulated audit findings identified risks and detailed recommendations to the Money Room Manager, Corporate Controller, CFO, Director of Accounting and Finance, COO, and Director of Operations.• Visited all the OTG airport terminals to identify and assess business controls, risks, workflow inefficiencies, and compliance with the company’s cash handling policies and procedures every quarter.• Reviewed all cash settlement reports, armored car receipts, deposit receipts, over/short reports, and daily write-ups for all the airport terminals.• Ensured money room managers and money room attendants are following the company cash handling policies and procedures, documentation of over/short banks, the accuracy of paperwork, deposits are managed correctly, and proper bank handling procedures.• Developed and implemented new cash handling procedures that safeguarded assets and controlled risk.• Upheld and reviewed the integrity of cash rooms in the airport terminals.

Garnerville, Ny

• Ensured satisfactory audit ratings, managing critical operational metrics to minimize risks and losses.• Maintained high standards for cash control, monetary transactions, security, and account opening activities.• Ensured the entire branch staff was fully trained, followed policies and procedures, and operated within the guidelines of Chase’s Code of Conduct.• Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.• Oversaw and coached a team of 5 Personal Bankers to achieve retail sales targets, accurately handle paying and receiving transactions, provide great customer service, and ensure that we are meeting the needs of the customer.• Trained and developed new team members in alignment with branch service standards and objectives.• Chase Wall of Fame honoree for customer service in 2011.• Selected for the re-education and training of new employees during the merger of Washington Mutual and Bank of New York.• Analyzed the financial goals of each client and recommend appropriate products to achieve fiscal objectives

Bachelor Of Business Administration (B.B.A.), Business Administration And Management, General

Associate Of Science (A.S.), Business Administration And Marketing