Disclosure Specialist, Mortgage Operations

First National Bank

At FNBO, our employees are the heart of our story--and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success.

The Disclosure Specialist is responsible for disclosing new mortgage loan applications and providing re-disclosures in accordance with TRID. The Disclosure Specialist works with Mortgage Loan Originators, Sales Managers, and the Operations team to obtain required loan data and fees to generate state and federal specific disclosures to borrowers. Daily monitoring and managing of reports will be required.

Key Accountabilities:

  • Prepare and send the initial disclosure package, including the Loan Estimate, within TRID required timeline, for all loan programs (Conventional, FHA, VA, Bonds, Purchase, Refinance etc.)
  • Complete HMDA information on all non-closed loans.
  • Ensure ECOA deadlines are met by sending ECOA notice within Regulatory timelines 
  • Prepare and send re-disclosed loan estimate within required timelines for all loans.
  • Complete verbal verification of Employments within 10 calendar days of closing.
  • Ensure that all information and documents are accurate, and comply with all applicable federal (TRID) and state laws, as well as company policy.
  • Assist closing team in preparing ICD, CD and closing documents as needed.

Provide input to Continuous Improvement practices and problem solving to enhance the work and team.

  • Identify opportunities and provide input to the enhancement of technology/systems/policy/procedure etc.

Work collaboratively with peers, management and all assigned inter-divisional/ external relationships to maintain and or exceed expectations.

  • Provide quality customer service by assisting with documentation questions and delivering prompt and accurate information.
  • Answer department phones and reply to email requests promptly and professionally.
  • Research and follow up on outstanding issues or requests to the satisfaction of the customer.

Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties.

  • Complete compliance training and adhere to internal procedures and controls, as required.
  • Report any known violations of compliance policy, laws, or regulations.
  • Report any suspicious customer and/or account activity.
  • If applicable, ensure direct reports meet the above requirements and take action to address employee performance issues.

Exhibit professional behavior and promote positive working relationships. Maintain regular and predictable attendance in alignment with departmental/divisional policy.

  • Demonstrate independent decision-making and problem resolution skills.

Knowledge, Experience, Education, Physical Qualifications:

Required

High School Diploma or GED 1 - 2+ years loan documentation, processing or closing experience required. Working knowledge of compliance regulations including (but not limited to):

  • FCRA
  • HMDA
  • CRA

Demonstrated effective planning, organizational and time management skills

  • Ability to perform multiple tasks at the same time and adhere to deadlines.
  • Previous work experience in a fast paced environment.
  • Excellent problem-solving skills.

Excellent oral and written communication skills; typing proficiency Demonstrated independent decision making and problem resolution skills Working knowledge of Microsoft suite of applications

Desired

Previous experience with Web Equity, Custom Lender, Hogan, Foundation or Laser Pro Previous banking experience

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

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Job ID: 5378

Posted 19 days ago

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