However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. Creates cover letters, communicates verbally or via email with commercial banking customers and all associated parties; including attorneys, title companies, and insurance companies involved in the loan closing process to resolve questions regarding information submitted during the application process.