Disclosure Specialist

1+ years experience in a mortgage operations position
HS Diploma or equivalent
Encompass loan origination system experience a plus
Thorough knowledge of TRID and RESPA LE/CD requirements
Working knowledge of RESPA ‘Change in Circumstances’, including: Valid vs. Invalid changed circumstances reasons
Conventional and Government loan experienced required
Strong aptitude for detail, accuracy, and organization
Ability to prioritize and multi-task with ease
Excellent interpersonal, written, and verbal communication skills
Ability to work in a high-volume environment

Audit file for completeness and accuracy to ensure compliance before sending out initial disclosures and Loan Estimate
Prepare LE and confirm fees and pricing are accurate, and release to borrowers via e-Sign
Track disclosures that need to be sent and send via e-sign portal or paper fulfillment as appropriate
Monitor Change of Circumstance requests and ensure re-disclosures and COC notices are in compliance and issued within required timeframes
Maintain efficient levels of service and comply with regulatory timelines associated with the completion and dissemination of loan disclosures
Prepare Post Consummation Closing Disclosure, ensuring all fees are accurate and that all fee variances are cured
Request and forward refund checks to borrower with PC CD
Process adverse action loans and prepare Statement of Denial on declined loans. Audit adverse loans for ECOA and HMDA compliance