Mortgage Disclosure Analyst
Mortgage Disclosure Analyst
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Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
This is an inoffice position based out of Ent Credit Union Headquarters in Colorado Springs. This is not a remote eligible position.
The purpose of this position is to provide consistent and thorough compliance support to the mortgage lending staff by ensuring all regulatory requirements of the TILA/RESPA Integrated Disclosure (TRID) rule are met while following all other regulatory and investor guidelines through disclosing and pricing of mortgage loans. The Mortgage Disclosure Analyst will: Perform a predisclosure review for all loan types to include review of Colorado TNB Reg B conditional approval letter borrower mailing address aggregate escrow disbursement dates Home Counseling Providers 4506T Settlement Service Providers documents are in file. Prepare generate and deliver accurate initial mortgage loan disclosures within TRID guidelines with a primary focus on conventional loan products. With guidance process complex disclosure requests. With guidance research and process complex structure and pricing options within TRID guidelines. Price loans and lock interest rates. Process disclosure requests with precision and accuracy. Research and maintain a working knowledge of TRID as well as product guidelines.
Essential Functions
- Prepare generate and deliver accurate initial mortgage loan disclosures within TRID guidelines. To ensure necessary and accurate initial disclosures on all mortgage loan applications are delivered within required timeframes in order to comply with regulatory and investor guideline requirements. Reduce risk of exposure and financial losses.
- Manage requests to disclose updated fees and reaudit loans as necessary. To ensure fees are updated as necessary to remain in compliance with TRID requirements throughout the loans process in an effort to prevent tolerance violations resulting in cures. Reaudit and redisclose loans in order to comply with regulatory and investor requirements as necessary when valid change in circumstances occur. Reduce risk of exposure and financial losses.
- Price loans and lock interest rates. Assist the mortgage staff with pricing scenarios to include restructuring options and managing rate lock request while remaining compliant with TRID CFPB and Credit Union policies.
- Act as the primary contact for all mortgage disclosure activities. Assist the mortgage staff with any miscellaneous disclosure questions work closely with the mortgage compliance department to help with the writing and maintenance of policies and procedures that pertain to disclosures in an effort to drive efficiencies within the department while complying with regulatory and investor guidelines.
- Research and maintain a high level of knowledge of TRID as well as product guidelines. Obtain a strong understanding of all regulatory guidelines to guarantee loan compliance as well as investor requirement pertaining to loan products
- Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures and regulations pertaining to the Bank Secrecy Act.
Qualifications :
Minimum Formal Qualifications for this Position
- High School Diploma/G.E.D. or equivalent
- 2 years customer service experience in a financial institution required to include:
- 6 months experience with first mortgage servicing processing or other related experience. Required.
- 6 months Credit Union experience. Preferred.
Each year of relevant work experience may be exchanged for a year in a relevant degree program or vice versa. For example a requirement of a bachelors degree in accounting and 2 years of account experience could be substituted for a high school diploma and 6 years of relevant accounting work experience or a masters degree in accounting and 0 years of work experience.
Technical or Specialized Knowledge/Skills:
- Working knowledge of federal lending regulations CFPB and TRID requirements for Mortgage disclosures
- Working knowledge of 1st mortgage products to include pricing requirements
- Knowledge of Mortgage lending business terminology and process flow
- Knowledge of Ent mortgage lending policies and procedures
- Knowledge of investor and lending guidelines
- Ability to analyze documents to ensure compliance with regulatory requirements
- Ability to analyze and problem solve to create positive outcomes for all interested parties
- Ability to prioritize/manage workload and allocate resources
- Organized detail oriented flexible and able to multitask in an everchanging environment
- Display positive professional demeanor and work independently with little supervision
- Selfmotivated
- Willingness to take on other tasks that support the goals of the Credit Union while remaining flexible in an ever changing environment
- Effective verbal written and interpersonal communication skills
- Ability to hold information in strict confidence
- Analytical and mathematical skills
Certifications Required:
- None
Environmental Physical and Psychological Requirements
- Standing Occasionally
- Walking Occasionally
- Sitting Frequently
- Lifting Rarely 40 Lbs)
- Carrying Rarely
- Pushing Rarely
- Pulling Rarely
- Balancing Rarely
- Stooping Rarely
- Kneeling Rarely
- Crouching Rarely
- Crawling Rarely
- Reaching Occasionally
- Handling Occasionally
- Grasping Occasionally
- Feeling Occasionally
- Talking Frequently
- Hearing Frequently
- Repetitive Motions Frequently
- Eye/Hand/Foot Coordination Occasionally
- Noises louder than normal speaking volume Occasionally
- Temperature Changes Rarely
- Atmospheric Conditions Rarely
Additional Information :
This is an inoffice position based out of Ent Credit Union Headquarters in Colorado Springs. This is not a remote eligible position.
The pay range for this position is: $23.36 to $24.98 per Hour (S12
Final compensation for this position will be determined by various factors such as relevant work experience specific skills and competencies education certifications and internal pay equity.
This position is eligible for our corporate bonus program based on company performance.
Benefits Summary Sheet
At Ent Credit Union we offer a comprehensive benefits package including:
- Health Benefits: Affordable insurance 24/7 doctor access and a nationwide provider network.
- 401(k): 3 automatic contribution after three months plus up to 6 matching.
- Paid Time Off: During your first year enjoy 16 days of paid time off (PTO) plus 9 paid holidays. And it grows from there.
- Volunteer Time Off: Paid time off to give back to the community.
- Education Support: Up to $10000 annually for higher education and assistance for certifications.
- Exclusive Discounts: Significant savings on home car and personal loans.
For more information about our outstanding benefits please visit our careers page at www.ent/careers.
We anticipate this position to close on 04/09/2025. Please submit your application at your earliest convenience to be considered.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about discussed or disclosed their own pay or the pay of another employee or applicant. However employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information unless the disclosure is (a) in response to a formal complaint or charge (b) in furtherance of an investigation proceeding hearing or action including an investigation conducted by the employer or (c) consistent with the contractors legal duty to furnish information. 41 CFR 601.35(c)
Remote Work :
No
Employment Type :
Fulltime
Employment Type
Full-time
