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Residential Real Estate Loans: Performing a Compliance Audit
(Presented By: Patricia Cashman)
To effectively perform a compliance audit of a residential real estate loan, you must be part detective and part mind-reader. A single residential real estate file can be covered by numerous consumer protection laws and regulations - Reg. B (ECOA), Reg. C (HMDA), Reg. Z (TILA), Fair Housing Act, and Flood Disaster Protection Act for starters. The applicability of any law depends on various factors that may, or may not, be evident in the loan file.  | WEBINAR TIME:
11:30AM - 1:30PM PT
12:30PM - 2:30PM MT
1:30PM - 3:30PM CT
2:30PM - 4:30PM ET |
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You can be a "fault-finder" or become an important part of your institution's risk management plan. An effective audit program can reduce potential liability, in addition to the amount of time examiners will spend in your boardroom. Determining the source of errors and violations can assist your institution in affecting prompt and appropriate corrective action.
Whether you audit by regulation or by function, and whether you are an internal auditor or an outsource vendor, this program will help you to identify deviations from laws, regulations and the institution's policies, document your procedures, and report the findings to management.
This session will assist you in:
- Dermining the objectives and scope of the audit;
- Developing or adapting workpapers that adequately document the audit work performed and support the audit reports; and
- Preparation of written conclusion summaries, recommend corrective action and communicate findings to management.
Who should attend? This session is designed for:
- New compliance auditors who want to fully understand the why and how of the residential real estate audit;
- Experienced compliance auditors who wants to revise or refresh their work program;
- Loan department managers who want to know what the auditors and examiners will be testing and how to properly document for compliance issues;
- Compliance officers can use this as a training tool for all residential real estate lending personnel
About the speaker: Patricia Cashman
Patricia Cashman, CRCM, owner of Cashman Compliance Solutions, began her banking career in 1969. She has been the senior operations officer for three Dallas-Ft. Worth area community banks, an assistant examiner for the Texas Department of Banking and managed the compliance/internal audit division of TIB - The Independent BankersBank, one of the largest bankers' banks in the country.
Additionally, she has spoken as a webcast/teleconference presenter for ABA, taught a variety of compliance subjects for the Texas Bankers Association (TBA) at their Annual Compliance School, provides compliance seminars for the Center for Financial training (CFT, formerly AIB) and been a speaker/trainer for numerous banks, banking and compliance organizations throughout Texas and New Mexico.
More information...
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888.229.8872