CD Desk Analyst

Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com. Job Profile: CD Desk Analyst Job Description Summary: We are committed to providing a competitive and equitable total rewards package. The compensation for this role is designed to attract, retain, and motivate top talent. The expected base salary range for this position is $19-21/hr. Job Description: In this role, the primary responsibility of the CD Desk Analyst will be to analyze and prepare initial closing disclosure. Essential Duties and Responsibilities Prepares initial closing disclosures as required within required regulatory timeline Ensures closing disclosure is complete, and is appropriate for the type of loan and geographic location Verify loan fees for accuracy to ensure compliance with the TRID (Truth in Lending Act – TILA) and Real Estate Settlement Procedures Act (RESPA) Review accuracy of information in the Loan Origination Software, Encompass Prepare changed circumstances and re-disclose as needed within the closing discourse timelines Balance fees worksheet in Encompass Research discrepancies on files during the disclosing process and discuss with VP (Mortgage Loan Originator) or other appropriate department(s) Meet daily performance metrics as defined by management Maintain prompt and professional communication to internal and external partners Cross-train in other functions as needed Complete regulatory and compliance training as required Skills and Competencies Demonstrated computer skills in word processing, spreadsheet and electronic mail software Strong communication and interpersonal skills, and a high level or integrity and confidentiality Strong aptitude for math High level of customer service skills Strong time management and organizational skills in a dynamic, constantly changing environment Attention to detail and quality focused Additional Job Description Summary: Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law. The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources). Please click this link to learn more about our benefit offerings for Washington State: Benefit Offerings for Washington State