Phase F: Disclosure Generation

SIPOC Workflow Components

Prepare Loan Estimate and Closing Disclosure

1. Access the Loan File
- Open the borrower's loan file in Encompass
- Navigate to the Disclosure Desk
2. Review Loan Information
- Verify loan terms and conditions
- Check property information accuracy
- Confirm borrower details
3. Generate Initial Disclosures
- Access the disclosure generation tool
- Select required disclosure package
- Generate initial disclosures including LE
4. Review Generated Documents
- Check all disclosures for accuracy
- Verify fee calculations
- Ensure all required fields are completed
5. Prepare for Delivery
- Save final versions to eFolder
- Update disclosure tracking log
- Prepare delivery package

Timing Compliance

1. Review TRID Requirements
- Check timing requirements for LE and CD
- Verify delivery deadlines
- Set compliance reminders
2. Monitor Waiting Periods
- Track mandatory waiting periods
- Set up automated reminders
- Document timeline adherence
3. Document Compliance
- Record compliance checks
- Note any exceptions
- Update compliance log

Disclosure Delivery

1. Select Delivery Method
- Choose appropriate delivery method
- Verify contact information
- Prepare delivery package
2. Process Delivery
- Send via chosen method
- Track delivery status
- Document sending time
3. Verify Delivery
- Confirm successful delivery
- Record delivery details
- Update system status

Receipt Confirmation

1. Track Receipt Status
- Monitor acknowledgment status
- Check e-signature system
- Track physical returns
2. Follow-up Process
- Send reminders if needed
- Contact borrowers
- Document follow-up actions
3. Record Confirmation
- Update receipt status
- Verify signatures
- Document timeline

Record Maintenance

1. Organize Documents
- Upload to eFolder
- Create index system
- Organize by category
2. Verify Records
- Check file completeness
- Verify document quality
- Validate metadata
3. Maintain Files
- Update file status
- Maintain audit trail
- Archive as needed