Mortgage Disclosure Specialist III

Reports To: Sales Support Manager

Primary Functions: Generate initial loan disclosures that are compliant with Global Credit Union polices and procedures. Generate re-disclosures as applicable for loan changes through the loan process. Coordinate with Production and Compliance to determine changes in circumstances and fee variances.

Duties and Responsibilities:

1. Prepare initial disclosures within required regulatory timeline. Verify loan fees for accuracy to ensure compliance with TRID, RESPA and ECOA.
2. Prepare re-disclosures within required regulatory timeline. Validate the change in circumstance and proper documentation to ensure compliance with TRID, RESPA and ECOA.
3. Maintain a high level of member service and internal service with timely responses and accurate information, maintaining thorough knowledge of TRID regulatory requirements.
4. Responsible for understanding and utilizing matrixes based on state and county to ensure accurate fee disclosure per geographic location.
5. Review general information on the loan to determine loan product and fee validation. Thorough knowledge of FHA, VA, USDA, HUD 184 and Conventional PMI required to identify appropriate calculations and data discrepancies.
6. Ensure loans requiring mortgage insurance are appropriate disclosed.
7. Use Symitar to determine membership status. Include membership paperwork in initial disclosure package if applicable.
8. Adhere to department turn-times and minimum file expectations.
9. Participate in seminars and other training to maintain required knowledge and skill development. Complete all training within specified deadlines.
10. Assist in training other Disclosure Specialists.
11. Perform other duties as assigned.
    
    

Education: Associates degree or a combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions.

Creditable Experience in Lieu of Education: Two years related work experience, preferably in mortgage lending or accounting and strong member service background required.

Experience/Skills: Must be able to type 35 wpm, operate a 10-key calculator and be familiar with on-line data operations. Must have ability to diplomatically handle difficult situations and manage priorities daily.

Tenure: Mortgage Disclosure Specialist II (Category 12) requires a minimum of one year tenure in the Mortgage Disclosure Specialist I (Category 13) position with performance that meets or exceeds expectations. Mortgage Disclosure Specialist III (Category 11) requires a minimum of one year tenure in the Mortgage Disclosure Specialist II (Category 12) position with performance that meets or exceeds expectations. Promotion requires recommendation by the supervisor or manager. Directly related work experience and/or accelerated training completion may be substituted for tenure.

Salary Pay Range:

• Mortgage Disclosure Specialist I (Category 13): $49,284 - $73,391 annually
• Mortgage Disclosure Specialist II (Category 12): $53,226 - $81,405 annually
• Mortgage Disclosure Specialist III (Category 11): $57,484 - $90,230 annually

Starting base salary will be determined based on candidate experience, qualifications, education, and local or state wage requirements, if applicable and will fall within the range provided above.

In accordance with our Salary Administration policy, new hire base salaries generally fall within the minimum to midpoint of the listed range.

• Short-term and long-term incentives
• Comprehensive medical, dental and vision insurance plan that has HSA and FSA options
• 401(k) plan with a 5% match
• Employee Assistance Program (EAP)
• Life and disability coverage
• Voluntary cash benefits for accident, hospitalization and critical illness
• Tuition Reimbursement
• Generous leave programs to include Paid Time Off accrual, Paid Sick Leave, Paid Holidays
• Click here to view Global’s comprehensive Benefits Programs

Equal Opportunity Employer