Disclosure Desk Associate

Description ESSENTIAL DUTIES and RESPONSIBILITIES: Review new files submitted for disclosure within 2-4 hours of receipt. Ensure that all required regulatory and investor disclosures are included in disclosure packages. Review and ensure accuracy and data integrity of required disclosures at initial application and at time of re-disclosure if necessary. Maintain efficient levels of service and comply with regulatory timelines associated with the completion and dissemination of loan disclosures. Deliver mortgage loan disclosures to borrowers in a secure manner. Research discrepancies on files during the disclosing process and discuss with Loan Originator and/or appropriate department. Make suggestions to Closing Manager regarding improvements pertaining to the disclosing process. Maintain a current working knowledge of all government mortgage compliance regulations. Efficiently monitor, manage, and maintain the assigned branch pipelines as they relate to disclosing and re-disclosing to ensure disclosure packages are sent to borrowers within regulatory timelines. Consistently meet or exceed established quality goals set by manager. ADDITIONAL DUTIES: Complete any additional duties assigned by management. Maintain a focus on enhancing customer service skills and knowledge. Complete regulatory and compliance training, as required. Maintain strict confidentiality regarding customer’s personal and financial information. Assists employees and departments as needed. An individual in this position must be able to successfully perform the essential duties and responsibilities listed above. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position . COMPETENCIES: Demonstrates thorough understanding of mortgage disclosure requirements and consistently adheres to regulatory guidelines. Carefully reviews loan documentation, disclosures, and data to ensure accuracy and completeness. Effectively communicates with borrowers, Loan Officers, operations staff, and management regarding disclosure requirements and issues. Takes ownership of assigned responsibilities while meeting deadlines and quality standards. Identifies issues quickly and develops effective solutions to prevent delays and compliance concerns. Effectively manages multiple loans, priorities, and deadlines within a fast-paced environment. Works cooperatively across departments to facilitate smooth loan processing and disclosure issuance. Provides responsive and professional service while maintaining compliance standards. Adapts effectively to changing regulations, technology, and business priorities. Prioritizes workload efficiently to meet regulatory requirements and business service-level agreements QUALIFICATIONS: High school diploma or equivalent required. Minimum of 2 years of mortgage operations, disclosures, processing, compliance, or related mortgage experience. Experience working with mortgage loan origination systems. Basic understanding of TRID and mortgage disclosure requirements. Strong attention to detail and commitment to accuracy. Demonstrated ability to meet deadlines and regulatory timelines. 2+ years of mortgage disclosure, processing, compliance, or loan operations experience. Experience with Encompass or other mortgage loan origination systems, heavily preferred. Knowledge of agency, investor, and state-specific disclosure requirements. Experience using Microsoft Office products (i.e. Word, Excel, Outlook, PowerPoint, SharePoint). Pay is $24.04-31.25 hourly.