Disclosure Desk Analyst

SUMMARY The Disclosure Desk Analyst is primarily responsible for reviewing, correcting, and transmitting early disclosure packages, change of circumstances, and closing disclosures. The Disclosure Desk Analyst will also be responsible for data integrity when reviewing the data within Encompass and monitoring pipelines to ensure timely delivery and acceptance of disclosures.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Audit, verify and ensure that mortgage loan disclosure packages are accurate and comply with regulation timelines and all applicable federal, state, and agency guidelines impacting residential mortgage originations.
• Acts as a POC for production staff and Compliance as necessary to validate fees associated with the applicable mortgage transaction and deliver disclosure documents.
• Develop working knowledge of federal and multi-state laws and agency disclosure guidelines affecting residential mortgage origination: TILA REG Z RESPA ECOA FACTA FCRA MDIA BSA/AML HMDA.
• Answer general inquiries and provide full support to production staff to ensure all issues are handled and resolution is found utilizing multiple communication techniques available such as Teams, Phone, or Outlook
• Pipeline management and maintenance to ensure all dates, triggers, and data integrity are addressed and is accurate at all times.
• Monitoring and managing the Disclosure Inbox and Encompass Views ensuring all RUSH requests are addressed timely.
• Work closely with the Compliance Officer and VP of Operations to support daily operations related to the disclosing process and any additional projects assigned.
• Maintains up to date job knowledge of all product codes, disclosure requirements, and compliance needs to ensure accuracy of Disclosures generated daily
• Complete/Facilitate additional loan functions as needed

DESIRED SKILLS AND EXPERIENCE

• At least 2 years of experience in a Disclosure Desk role or Mortgage Lending
• Knowledge of and familiarity with Encompass
• Proficiency in Microsoft Office (Word, Excel, PowerPoint, Outlook)
• Knowledge of Compliance, Closing and Disclosure requirements
• Detail oriented with the ability to work independently and handle multiple priorities