We are seeking a Disclosure Desk Specialist to join our team on a full-time, remote basis. The preferred schedule is Monday through Friday, 8:00 a.m. to 5:00 p.m. Overtime may be needed at times.
The Disclosure Desk Specialist is responsible for preparing, reviewing, and delivering mortgage loan disclosures in compliance with federal, state, investor, and company guidelines. This role requires strong attention to detail, the ability to work in a fast-paced environment, and a commitment to accuracy and regulatory compliance.
Essential Functions:
- Prepare initial disclosures within the required regulatory timeline. Verify loan fees for accuracy to ensure compliance with TRID, RESPA and ECOA.
- Prepare re-disclosures within the required regulatory timeline. Validate the change in circumstance.
- Responsible for understanding and utilizing state and county fee matrices to ensure accurate disclosure of fees based on geographic location.
- Review general information on the loan to determine the loan product and fee validation. Thorough knowledge of FHA, VA, USDA, and Conventional PMI is required to identify appropriate calculations.
- Ensure loans requiring mortgage insurance are appropriately disclosed
- Review all initial disclosures, ensuring that all documents are completed accurately and meet any applicable date and delivery requirements.
- Verifying all internal system data entry is correct based on the loan documents reviewed.
- Maintain acceptable quality, production, turn times, and all internal and external client service standards.
- Perform other job-related duties as instructed by the Leader.
- Comply with all internal policies and procedures.
- Maintain SLA for emails and phone calls. Communication must be handled in a professional, helpful, and timely manner.
- Participates in meetings, suggests improvements, develops knowledge, handles increasing workloads, and projects a passion for the position and industry.
- Supporting day-to-day tasks and cross-training in other areas for coverage as needed.
- Ability to meet regular and reliable attendance.
- Becomes/is an advocate of our culture and adheres to our core values.
Qualifications:
- Minimum of 2 years mortgage experience.
- Must have experience in Fannie/Freddie, HUD, VA, and USDA disclosures.
- Maintain a positive attitude and work together within the team and the company as a whole.
- Strong communication, organization, attention to detail, and time management skills.
- Excellent verbal and written communication skills.
- Excellent interpersonal and customer service skills.
- Excellent organizational skills.
- Excellent time management skills with a proven ability to meet deadlines and multitask.
- Ability to function well in a high-paced environment.
- Proficient with Microsoft Office Suite or related software.
Wellness and Abilities:
The majority of your time will be performed in a typical office space, either remotely and/or on-site. This position will have significant use of computers, phones, and general office equipment and requires normal office movement and activities. This role may also require prolonged periods of sitting and computer use throughout the workday. We encourage regular breaks from sitting, standing, and other repetitive activities to support overall wellness and comfort.
You will need adequate visual acuity, the ability to handle and lift light objects, and the ability to communicate effectively through reading, writing, and speaking in person, via teleconference, or on the telephone.
Other:
Please note that this job description does not include every duty or responsibility associated with the role. Duties and responsibilities may change at any time, with or without notice.
Towne Mortgage is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, disability, national origin, veteran status, or genetic information, as well as any other State or local employment protections. Towne Mortgage is committed to providing access, equal opportunity, and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities.
