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Escrow Excellence: From Loan Estimate to Annual Analysis

Mar 08 2:00 PM - Mar 08, 2023 3:30 PM
Mar 08, 2023 2:00 PM - 3:30 PM
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The road to escrow excellence is long and winding. Multiple regulations are involved, as well as various disclosures, calculations, statements, and examiner hot spots. This program will provide the road map, tips, and tools you need to skillfully navigate every bend in the road from loan estimate to annual analysis. Up your escrow game with this detailed, vital information.

Learning Objectives

  • Properly disclose escrow items on the LE and CD using TRID rules
  • Generate an accurate initial escrow account statement
  • Understand the differences between single-item and aggregate analysis
  • Determine whether the cushion limits comply with either the contractual or regulatory requirements
  • Resolve shortages, surpluses, or deficiencies resulting from escrow analysis
  • Perform system testing to ensure software systems accurately conduct escrow account analysis
  • Identify escrow requirements under RESPA, TILA, and the Flood Disaster Protection Act
  • Review escrow statements for required content
  • Test for examiner-identified escrow accounting rule issues

Escrow accounting and disclosure rules are complex and addressed by multiple regulations, including RESPA, Regulation Z, and the Flood Disaster Protection Act. This session will provide the tools needed to nail down the numerous accounting and disclosure requirements.

The escrow discussion includes properly disclosing taxes, insurance, and other items on the required TRID documents; how to generate the initial escrow account statement; and numerous components of managing the escrow account after origination. This webinar will explain the escrow analysis process, including how to resolve shortages, surpluses, and deficiencies. It will also review examiner-identified escrow rule violations to ensure these weaknesses don’t exist in your processes. Dive into escrow compliance with this session that will contain the checklists and tools needed to ensure your institution has mastered the regulatory requirements.



Molly Stull, Brode Consulting Services, Inc.

Molly Stull began her career as a teller while working on her undergraduate degree and has continued working in the financial industry ever since. She has experienced the growth of a hometown bank, branch mergers, charter changes, name changes, etc. Molly has activated business resumption plans, performed secondary market quality control reviews, processed wires, filed SARs, and coordinated reviews with external auditors and examiners. Her favorite role has always been educating staff and strongly believes that if staff understands the reason for a process they will be more compelled to follow the procedures. Molly holds a bachelor’s from the University of Akron and an MBA from Ashland University.




Live and recorded webinar, handouts, quiz with answer key and training log are included.

Your registration includes unlimited locations, making it easier to share and learn with remote staff.

Please note: You may share the link with others at your credit union, however the confirmation will be sent to one primary contact at your credit union. It will be up to the primary contact to share the material with others.

Additional Info

Event Type


Topics Covered

  • Compliance
  • Lending & Collections
  • Live Webinars