Disclosure Desk/Loan Set-up Specialist

Description

SUMMARY:

The Disclosure Desk Specialist supports both TPO and Retail mortgage channels by managing loan disclosures, ordering required services, and reviewing withdrawn or denied applications. This role works closely with loan officers, borrowers, and internal partners to ensure mortgage files are complete, compliant, and processed within regulatory timelines.

The ideal candidate has prior mortgage operations, processing, disclosure, or servicing experience and is comfortable working in a fast-paced, deadline-driven environment with multiple stakeholders.

ESSENTIAL RESPONSIBILITIES & DUTIES:

• Communicate effectively with loan officers, borrowers, and business partners throughout the loan process.
• Review residential loan applications to verify completeness, accuracy, and compliance with company and investor requirements.
• Prepare and deliver initial disclosures in accordance with TRID (TILA-RESPA Integrated Disclosure) regulations.
• Monitor disclosure timelines within the Loan Origination System (LOS) to ensure disclosures are issued within required regulatory timeframes.
• Review and process re-disclosures related to valid changed circumstances.
• Evaluate fee accuracy and completeness on disclosure requests submitted by production staff.

Order required third-party services, including:

• Title work
• Appraisals
• FHA Case Numbers
• Written Verifications of Employment (WVOE)
• Other services as required
• Review Automated Underwriting System (AUS) findings and conditions to ensure loans meet eligibility and underwriting guidelines.
• Ensure all required conditions for closing are satisfied and properly documented.
• Prepare Statements of Denial and review HMDA data for withdrawn or denied loans.
• Maintain compliance with federal, state, agency, investor, and Credit Union mortgage lending requirements.
• Perform additional duties and special projects as assigned.

OTHER DUTIES, KNOWLEDGE, SKILLS, ABILITIES:

Required: must have familiarity with Encompass software & other mortgage systems, processes, laws/regulations/guidelines/principles.

• Familiarity with mortgage lending processes, documentation, and compliance requirements
• Working knowledge of TRID regulations and disclosure requirements preferred
• Experience using Encompass and other mortgage technology platforms preferred
• Strong attention to detail with the ability to identify inconsistencies and resolve issues efficiently
• Excellent organizational and time management skills
• Ability to manage multiple priorities in a fast-paced, highly regulated environment
• Strong verbal and written communication skills
• Proficiency in Microsoft Office applications, including Word, Excel, and Outlook
• Ability to work independently with minimal supervision
• Sound judgment and decision-making skills with the ability to elevate issues appropriately
• Professional demeanor with the ability to collaborate effectively across departments

COMPENSATION: $22.53 - $28.55 an hour

The Servion Group has provided a salary range that represents its good faith estimate of what the company may pay for the position at the time of posting. The specific salary offered will be determined based based on factors such as the qualifications of the selected candidate, departmental budget, internal salary equity considerations, and available market information.

General Description of Benefits:

All full-time employees are eligible for Medical Insurance, Telehealth Services, Dental Insurance, Vision Insurance, Life Insurance, Short-term Disability, Long-term Disability, Legal and Identity Theft Protection, Critical Illness Insurance, Hospital Insurance, Accident Insurance, Participation in 401k Plan with up to 5% company match, and Discretionary Bonus Possible but not guaranteed.

Requirements

PREFERRED QUALIFICATIONS

• Education: High School Diploma or GED
• Experience: At least one year of mortgage experience or administrative experience required, plus:

• 1. Experience in mortgage operations, processing, disclosures, or servicing
• 2. Knowledge of conventional and government loan programs
• 3. Understanding of underwriting conditions and mortgage compliance standards
• 4. Prior experience in a deadline-driven lending environment

• Licenses/Certifications: None