When examiners review your mortgage program, they’re looking beyond individual loan files. They want to understand whether your credit union recognizes its risks, evaluates program effectiveness, addresses deficiencies, and can demonstrate that issues are identified and resolved.
Effective examination preparation starts long before an information request arrives. Yet even well-managed programs can struggle to connect quality testing, corrective action, management reporting, and supporting documentation into a clear, consistent picture of how the program performs.
In this ACUMA Inside Track session, Sarah Lagattolla of VyStar Credit Union joins Sharon Reichhardt and Brock Miller of ACES Quality Management to share practical strategies for building an exam-ready program by design. Attendees will explore how to prioritize reviews based on risk, maintain defensible documentation, address findings effectively, and communicate the results of ongoing monitoring with confidence.
The discussion will also cover preparing for examiner requests and meetings, developing well-supported written responses, and translating quality results and remediation efforts into meaningful management and board-level insight. Whether your credit union manages mortgage quality internally, relies on third-party providers, or uses a hybrid model, you’ll leave with actionable ways to strengthen your program, identify gaps earlier, and demonstrate a thoughtful, well-documented approach to mortgage risk and compliance.
Key Takeaways
Attendees will leave knowing how to:
- Build an exam-ready evidence trail: Identify the documentation, testing results, remediation records, and management reporting needed to demonstrate an effective mortgage quality program.
- Connect findings to corrective action: Establish a repeatable process for documenting deficiencies, identifying root causes, tracking remediation, validating results, and addressing recurring issues.
- Navigate the examination process: Prepare for information requests and examination meetings, communicate findings clearly, and develop thorough, well-supported written responses.
- Demonstrate program effectiveness: Connect quality testing, corrective action, ongoing monitoring, and board reporting to show how issues are identified, addressed, and prevented from recurring.
ACES Quality Management is the leading provider of enterprise quality management and control software for the financial services industry. The nation’s most prominent lenders, servicers and financial institutions rely on ACES Quality Management & Control® Software to improve audit throughput and quality while controlling costs, including:
- Over 70% of the top 20 independent mortgage lenders;
- 8 of the top 10 loan servicers;
- 14 of the top 30 banks; and
- 7 of the top 15 credit unions in the United States.
ACES also supports multiple state housing authorities and mortgage insurers, a government-sponsored enterprise (GSE) and dozens of third-party QC service providers that collectively serve hundreds of financial institutions.
Unlike other quality control platforms, ACES Flexible Audit Technology® enables independent mortgage lenders and financial institutions to easily manage and customize the system to their specific needs, including the ability to evaluate loan risk at scale without relying on IT or outside resources. With ACES’ AI-powered capabilities, audit teams can translate complexity into clear insights and accelerate performance.
Using a customer-centric approach, ACES clients get responsive support and access to our experts to maximize their investment. For more information, visit www.acesquality.com or call 1-800-858-1598.
Notes:
- This session will be interactive so come with your questions.
- Open to anyone.
- Session will be recorded.
- By registering for this event, you submit your information to the webinar organizer and sponsor, who will use it to communicate with you regarding this event and their other services.
