Disclosure Specialist

Profile

Summary
Performs a variety of RESPA/HMDA related duties for the Traditional Retail (TR) Channel, including handling Adverse Actions, monitoring for and sending 10 Day Letters, resolving duplicate loans, preparing and sending Rate Lock and Change of Circumstance re-disclosures.
Essential Job Functions:
Prepares Rate Lock and Change of Circumstance re-disclosures within 3 days of after assuring accuracy of loan information and fees to mitigate TRID, RESPA and ECOA violations as well as company losses due to tolerance cures.
Validates and sends 10 Day Letters (notice of incompleteness) within in company timing guidelines
Validates edisclosed-but-not-acknowledged loans and sends hard copy disclosures in compliance with regulations.
Validates appropriateness and proper processing of all adverse actions and subsequently sends accurate adverse action notice to borrowers per company and regulatory requirements.
Performs other duties as assigned.
Other Related Duties:
Performs other related duties as assigned.
Supervisory Responsibilities:
This position has no supervisory responsibilities.

Education and/or Experience:
Post-secondary education/degree preferred; three years or greater relevant mortgage loan operations experience.
Must have demonstrated working knowledge of mortgage loan program guidelines, underwriting and regulatory requirements and the mortgage loan manufacturing process.
Knowledge of and experience with RESPA/TRID compliant disclosures and HMDA compliance adverse action requirements strongly preferred.
Strong analytical skills and ability to use independent judgement.
Strong organizational skills
Strong level of attention to detail.
Proficiency in Ellie Mae Encompass Software preferred and the ability to readily learn and operate effectively in other business technology applications required.
Language Skills:
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to effectively present information in writing and verbally and interact effectively with team members, managers and Traditional Retail leaders.
Mathematical Skills:
Ability to calculate figures and amounts such as discounts, interest, commissions, and percentages.
Reasoning Ability:
Ability to solve practical problems and deal with a variety of variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Ability to define problems, collect data, establish facts, and draw valid conclusions.
Customer Service Relationships:
Requires normal courteous interaction and basic interpersonal skills and tact to communicate with others. Forwards non-routine inquiries or requests to appropriate individual and/or department.
Work Complexity:
Tasks are multiple and focus more on single processes. Work is sometimes standardized and sometimes varied.
RoundPoint’s Employee Value Proposition:
Grow. Make a difference. Have fun along the way.
Our mission is to serve our homeowners and all of their homeownership needs. We do this by embracing challenges, executing with excellence, and fostering a positive work culture that encourages personal and professional growth. We are on the fast track to becoming the premier marketplace for all things home, and the National Mortgage News and Best Companies Group just named us one of 2019's Best Mortgage Companies to Work For! Without a doubt, RoundPointers are what make this company a great place to work! That’s why we hire individuals who share our core values: Energy, Ethics, Execution, Everyone, and Earn it!
As a RoundPointer, we will empower you to innovate, provide meaningful solutions, set goals and crush them, play hard, and give back to the community! Our secret sauce is our mantra, All In. All Win. Together, we can achieve great things!
Physical Demands & Working Conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job:
The employee is regularly required to talk or hear.
The employee is required to sit for extended periods of time and is occasionally required to stand and walk.
The employee must regularly use hands to finger, handle, or feel objects and is regularly required to reach with hands and arms; the employee may occasionally climb or balance, and stoop, kneel, crouch, or crawl.
The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.
Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus.
The noise level in the work environment is usually quiet to moderate, and no extreme conditions are present.

Company info

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