Talia Fitzgerald
Assistant Vice President, Mortgage Operations Manager @Shore United Bank
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WORK HISTORY
Assistant Vice President, Mortgage Operations Manager @Shore United Bank
Develops, reviews, and implements operational systems, procedures and workflows relating to the mortgage lending operations function. Provides implementation and ongoing training to mortgage operations staff and other interconnected departments on policies, procedures, and workflow changes. Researches, collaborates and assist in development of an interface between mortgage and banking software. Develops and provides reporting related to all mortgage operations functions. Evaluates and make recommendations to provide appropriate staffing levels to accommodate business needs. Leads and supervises mortgage operations staff at multiple locations. Provides development and oversight of processes to monitor and adhere to TRID timing and disclosure requirements. Requirements include tolerance cures, mortgage fees and lender credits collected assuring properly authorized sign off. Collects and monitors timely receipt of intent to proceed. Actively manages processors to assure conditions to close within a timely manner prior to closing. Actively manages CD issuance to substantially reduce multiple re-issuances as conditions to close are cured. Significantly increases efficiency and improves morale by reducing number of modifications to closing packages. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Company’s compliance with all regulatory requirements, e.g, Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc. Participates in required training sessions, including training for compliance with BSA/AML policies and procedures.
EDUCATION
University of Maryland Baltimore County
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ABOUT TALIA FITZGERALD
DE/VA LAPP designated Develops, reviews, and implements operational systems, procedures and workflows relating to the mortgage lending operations function. Provides implementation and ongoing training to mortgage operations staff and other interconnected departments on policies, procedures, and workflow changes. Researches, collaborates and assists in development of an interface between mortgage and banking software. Develops and provides reporting related to all mortgage operations functions. Evaluates and make recommendations to provide appropriate staffing levels to accommodate business needs. Leads and supervises mortgage operations staff at multiple locations. Provides development and oversight of processes to monitor and adhere to TRID timing and disclosure requirements. Proficient in underwriting a vast majority of mortgage loans to include Conventional, Non-Conforming, FHA, VA, USDA, CDA and VHDA. Proficient in the following programs: All AUS engines, Encompass, MortgageBot, FHA Connection, VA Portal, All Regs plus several other mortgage programs. Over twenty years of experience in the mortgage industry from operations, management and sales. Have excellent oral and written communication skills, team player, self motivated, result oriented, independent, detailed, analytical, plus great problem solver. Six Sigma Greenbelt Certified. New Day USA - Recipient of Operations Employee of the Year award, Outstanding Achievement award and 3 time President Club recipient
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