Manage the Dispositions Team (Vendor) comprised of 4-5 team members (coaching, performance reviews, corrective actions, etc.)
Test/monitor/assist with escalated disposition reversals
Delegate and process urgent disposition requests
Input IT tickets and identify automation and process efficiencies for Sales, Operations, and Dispositions Team
Assist the Customer Service and Complaint Teams with file reviews and corrections
Pull and review the following reports daily/as needed: Unprocessed Decline/Cancel – review and process files Canceled as Duplicate – check for errors Declined as Incomplete – check for errors Applications Still Active – manage aged loans HMDA/MCR Report-check for errors ECOA Clock Monitoring – manage ECOA compliance including processing files to remain in compliance Decline Dashboard – assign work tasks
Manage the Compliance/Dispositions Mailbox ( [email protected] )
Ensure processes around dispositions are followed in accordance with policies, procedures, and training
Provide monthly ECOA and Decline reports to management
Provide weekly QC reviews of Dispositions Team performance
Identify and provide training to staff, as needed
Update internal document (policies and procedures) annually and as needed
Assist with research, responses, and corrective actions for any audits and examinations related to canceled or declined files
Provide support with Fair Lending reviews
Research and respond to internal and external audit and exam findings related to ECOA/Reg B
Complete monthly HMDA manual geocoding list
Other duties as assigned
Requirements
High school diploma: college preferred
Minimum of 4+ years recent experience in the mortgage lending industry, 3+ years regulatory compliance experience preferred
Familiarity with government agency guidelines specifically related to ECOA, FRCA, HMDA and Fair Lending