Realtors/Mortgage Professionals

Mortgage Disclosure Specialist page is loaded## Mortgage Disclosure Specialistlocations: Tuscaloosa-Indian Hills: Birmingham: Franklin: Panama Citytime type: Position Summary:**Prepares disclosures for all secondary market and portfolio (in-house) mortgages and reviews previously issued initial LE documents and subsequent COC’s for signature by the client. Disclosure Preparation & Compliance** Manage an average monthly disclosure request pipeline of 60-100 working requests.* Prepares and reviews initial LE documents and subsequent COC requests for accuracy prior to releasing to Mortgage Loan Officer and/or client.* Verifies documents necessary for disclosures. Verifies third party charges (title fees, appraisal, inspections, flood, credit and product requirements, etc.)* Verifies amounts held for escrow for property taxes and insurance.* are accurate on all documents.* Prepares disclosures for delivery to Borrower via e-disclose or if in person or mail delivery sends to Mortgage Loan Officer for them to deliver to client.* Prepares initial LE disclosures and COC’s through MortgageBot and DocMagic softwares for secondary market and portfolio (in-house) residential mortgages.* Works with Mortgage Loan Officers and processors to ensure disclosures are prepared and disclosed to the client in good faith based on the information provided at the time of issuance of disclosures.* Monitors the active loan pipeline multiple times a day to determine new applications and/or any changes made that will require a disclosure to be issued.* Uses office computers for data input and other activities. Some travel to other locations may be required, as needed, for training purposes and Mortgage Meeting requirements.*Pipeline Monitoring & Adverse Action Handling:** Works with Mortgage Loan Officers, processors, loan setup, lock desk, title, and insurance companies, etc., to request specified documents, such as receipt for payment of outstanding property taxes or HOA dues.* Checks documents for proper vesting, legal descriptions, items due, receipts for payments, closing dates and signatures.* Monitor the loan pipeline daily for incomplete files, print the Notice of Incompleteness, adverse actions, and mail to the Borrower, as applicable, add notes to the system for date mailed, after 10 days with no response from Borrower archive loan.* Operational Support:** Assist the Post Closing Team / Closing Team as a back-up and as needed with the preparation of closing packages, fundings, receipt of closed loan packages, reviewing those documents for accurate completion.* Review and file trailing documents for closed loan files as needed for the Post Closing Team and deliver to the Investor.* Prepares closing packages (through MortgageBot and DocMagic software) for secondary market and portfolio (in-house) residential mortgages.* Prepares Construction Loan Extension Documents, Payment Recast documents and Construction Perm Float Down Documents as needed and required.* Prepares wires for funds needed delivered to Title Companies for funds due at closing on behalf of SmartBank* Works with borrowers, realtors and title companies to request specified documents, such as receipt for payment of outstanding property taxes or HOA dues.* Assist the Mortgage Operations Manager in maintaining the accuracy of the Disclosure Job Aid and assist with any training needed for new or existing associates on the Mortgage Team.* Performs a variety of clerical duties requiring knowledge of departmental procedures.* Position Requirements and Qualifications:****Education and Experience:*** High school diploma or equivalent* Two years of recent experience in secondary market and in-house portfolio disclosures and documentation preferred.**Training Requirements (licenses, programs, or certificates):*** Ongoing regulatory and compliance training is required.**Knowledge, Skills, and Abilities:*** Excellent customer service skills.* Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing and ten-key proficiency.* Average, ordinary, visual acuity necessary to prepare inspect documents or products and operate machinery.* May be required to travel to various branch locations.* Ability to work overtime hours on a regular basis is required.With a strong foundation and a growing footprint, **SmartBank** delivers high‐touch banking solutions to commercial businesses and consumers across the Southeast. NYSE: SMBK)**, a financial holding company with assets exceeding $5 billion.This people‐first culture has earned national recognition, including placement on FORTUNE’s 2025 Top 100 Best Workplaces list and Great Place To Work(R) certification, reinforcing SmartBank as an employer of choice in the markets we serve. Drawing on decades of collective banking experience, SmartBank’s leadership has embedded “Smart” business practices throughout the organization, including rigorous credit underwriting, holistic relationship management, and a focus on attracting and retaining top-tier talent. Guided by these principles, SmartBank has grown into a respected, high‐performing financial institution trusted by the communities it serves.

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