Disclosure Support Specialist

This is a fully remote position, open to applicants in Philippines.

📋 Description

• Act as the main contact for inquiries related to disclosures and escalate issues to the Disclosure Desk Manager when necessary.

• Conduct audits on files for completeness and accuracy to ensure compliance prior to dispatching initial disclosures and Loan Estimates.

• Prepare Loan Estimates (LE), verify the accuracy of fees and pricing, and send them to borrowers through e-Sign.

• Distribute disclosures promptly and monitor outstanding disclosures through the e-sign portal or via paper fulfillment as appropriate.

• Identify any unusual or missing fee amounts before disclosures are issued and reach out to originators to resolve any missing data prior to release.

• Update the Loan Origination System (LOS) to document that disclosures have been generated and provided to the consumer.

• Review fee alterations to assess compliance with TRID changed circumstance and tolerance guidelines.

• Oversee Change of Circumstance (COC) requests and ensure that re-disclosures and COC notifications are issued within the required timelines.

• Prepare daily pipeline status reports for operations, compliance, and senior management as necessary.

• Acquire and maintain a thorough understanding of new or revised statutes and regulations pertinent to mortgage lending.

• Uphold the confidentiality and privacy of all loan applicant information.

• Perform additional duties as assigned.

⛳️ Requirements

• 2–3 years of experience in mortgage operations is required; experience in a retail mortgage lending environment is preferred.

• A high school diploma or GED is required; relevant work experience will be considered.

• Familiarity with Encompass or a similar LOS is preferred.

• Strong understanding of compliance and regulatory requirements including TILA/TRID, RESPA, ECOA, HMDA, FCRA, FACTA, and ESIGN.

• Working knowledge of Change in Circumstance (COC) rules, including valid vs. invalid changed circumstance reasons and their relevance to disclosures.

• Experience with both conventional and government loan types is required.

• Excellent attention to detail, accuracy, and organizational skills.

• Ability to prioritize tasks, manage multiple responsibilities, and excel in a high-volume environment.

• Strong verbal and written communication skills with the capability to collaborate cross-functionally with originators and operations teams.

🏝️ Benefits

• PTO as needed.

• Comprehensive insurance coverage.

• 401(k) matching.

• Stock option grants.

• Stock purchase plan.