Mortgage Disclosure Specialist

Real Estate Support Specialist/Mortgage Disclosure Specialist

Hourly Range: $22.36 - $27.93 Exact compensation may vary based on skill and experience. THIS REQUIRES A LOCAL CANDIDATE - HYBRID (Folsom, CA)

Why SAFE? SAFE offers so much more than just full medical, vision, dental, 401k matching, HSA, and FSA! Learn more about how we support our workforce!

• Professional Development Opportunities : Offering training programs, workshops, and mentorship.
• Recognition and Appreciation : Regularly acknowledging employee achievements and contributions.
• Flexible Work Arrangements : Providing options for remote work and flexible scheduling.
• Positive Company Culture : Fostering an inclusive, collaborative, and supportive work environment.
• Career Growth : Clear paths for career advancement and internal promotions.
• Work-Life Balance : Encouraging a healthy balance between professional and personal life.
• Employee Empowerment : Allowing employees to make decisions and have autonomy in their roles.
• Space of Belonging: ERGs, YOUnity Council and a focus around diversity, equity inclusion and belonging.
• Wellness Programs : Promoting physical and mental health through wellness initiatives and resources.
• Strong Leadership : Having leaders who inspire, support, and guide their teams effectively.
• Sense of Purpose : Creating a sense of mission and aligning company goals with employees' personal values.

POSITION PURPOSE

Responsible for the initial loan set up including but not limited to issuing loan disclosures, collecting documentation, reviewing applications for completeness, placing vendor orders, occasional follow up with borrowers and other administrative activities throughout the loan origination process. Works with Mortgage Officers and Home Loan Consultants to complete or update loan packages as necessary and ensures that all documents, signatures, and forms are correct and complete prior to advancing any further into RE Operations. Monitors pipeline for changes in circumstance and issues redisclosures when required. Monitors withdraw requests and file expirations and initiates required actions.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Review loan packages and documentation for completeness. May include Notice of Incompleteness, as applicable or assistance with obtaining information or documentation as required.
• Place all applicable orders for assignment to Processing, Underwriting, and/or Funding.
• Effectively communicate with members, Mortgage Officers, Home Loan Consultants, Real Estate Operations, Builders, and Realtors.
• Monitor team and individual pipelines for change in circumstances, withdraw requests, file expirations and to ensure all loans are moving as quickly as possible.
• Ensure Initial and Revised Disclosures are accurate and sent within the timeline required.
• Verify documentation supports application data.
• Verify and calculate income worksheets for accuracy.
• Verify that AUS findings match LOS system.
• Assist with obtaining FHA/VA case file identification numbers and required documentation.
• Reconciliation of Final Settlement Statement and sending Post Consummation Closing Disclosure.
• Assist in other areas of processing when needed.

QUALIFICATIONS

Education/Certification:

Associate's degree or equivalent from a two-year college or technical school; or one to three years of related experience and/or training; or an equivalent combination of education and hands-on experience.

Certification:

• May be responsible for obtaining and maintaining Notary Public commission and NMLS registration.

Required Knowledge:

Experience with residential lending processing. Familiarity with LOS systems and conventional, FHA, USDA, and VA processing, underwriting, and funding requirements. Experience with customer service.

Experience Required:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Skills/Abilities:

• Familiarity with Microsoft Office (Outlook, Excel, Word, PowerPoint).
• Excellent teamwork, problem-solving, and communication skills.
• Demonstrated drive, initiative, and desire to get work done quickly.
• Strong desire to continue learning about the residential mortgage industry, provide cutting-edge support, and improve the financial well-being of SAFE's members.

WORK ENVIRONMENT/PHYSICAL DEMANDS SUMMARY

LANGUAGE SKILLS

• Excellent communication skills (verbal, written, listening skills, and empathy).
• Expert ability to build relationships with other leaders, business partners, and stakeholders.

MATHEMATICAL SKILLS AND REASONING ABILITY

• Ability to interpret a variety of instructions furnished in written, oral, or schedule form.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

• While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
• The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.
• The noise level in the work environment is usually moderate.

INTENT AND FUNCTION OF JOB DESCRIPTIONS

This is not necessarily an all-inclusive list of job-related responsibilities, duties, skills, efforts, requirements or working conditions. All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.