I was a mortgage loan officer at this institution in their Secondary Lending Division.in that division we were essentially brokering loans to outside investors. I became aware that my Supervisor, Mr. James Reed, was looking the other way when some of my fellow loan officers did not have required RESPA fee disclosure documents signed until after the loans had already closed and funded. Loan officers were back-dating documents and asking customers to sign after the loan had already come out of rescission and it was too late to object to very high fees.
Additionally, we were all asked to go through files as old as 2006 and insert fictitious dates and comments in the Calyx Point system showing that documents were sent to the customers within 72 hours of application when that was not the case. This was done in advance of an OCC (Office of the Comptroller of Currency) on site audit which was conducted in February.
I objected to these practices - discussed my concerns with my supervisor - and was terminated from my position 3 days before the OCC (Office of the Comptroller of Currency) auditors came to inspect the bank. The Ohio Dept. Of Job and Family Services determined that I was terminated from the bank 'without just cause'.
Regretfully, this institution and their 'Secondary Lending Department' are operating as a shady broker shop hiding under the umbrella of a national bank.
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