Disclosure Specialist
Job Title: Disclosure Specialist
Reports To: Loan Operations Manager
Department: Direct Operations
Location: Irvine, CA | Diamond Bar, CA | Remote
Position Summary
Our customer-centric team is changing the home lending game with fierce loyalty and a dedication to delivering an extraordinary home loan experience. We empower our team members by engaging and immersing them in a fun, positive, and energetic atmosphere that places emphasis on the customer experience above all else. If you love coming to work every day and winning, hold yourself to high goals and standards, subscribe to a no drama workplace and live to serve your customers as much as each other…we want you on our team.
Mission Loans is seeking mortgage professionals who thrive in a fast-paced environment without losing focus on quality of work and delivering an exceptional customer experience. As a Disclosure Specialist, your primary mission is to timely generate and deliver loan disclosures triggered throughout the loan origination and fulfillment process.
Primary Duties & Responsibilities
- Overall responsibility for timely generation and delivery of loan disclosures triggered throughout the loan origination and fulfillment process
- Monitor and manage disclosure pipeline queues (i.e. initial disclosures, re-disclosures) to ensure timely, accurate disclosure of the loan files in accordance with compliance rules
- Timely prepare, validate and deliver initial disclosures and loan estimates for incomplete loan applications, as applicable and in accordance with regulatory and company guidelines
- Update information due to change in circumstances and timely prepare, validate and deliver revised loan estimates, interim and/or re-disclosures, as applicable in accordance with regulatory and company guidelines
- Operate with a goal to meet and exceed internal and external customer expectations
- Operate in a manner that promotes loan quality and compliance with lending laws
- Maintain productivity and quality performance at or above required goals
- Perform other duties and projects, as assigned by management
Skills & Abilities
- Subscribe to a no drama workplace
- Subscribe to the mission of creating a truly customer and team member centric environment
- Love to come into work every day and win
- Highly motivated, self-starter with ability to work under minimal direction, and as a team player
- Excellent written and verbal communication skills
- Ability to work in a fast-paced, multi-tasking environment and manage to multiple deadlines
- Strong organization, follow through and time management skills
- Excellent attention to detail with commitment to accuracy and quality
- Strong problem solving and creative thinking skills
- Ability to learn and adapt to guideline changes
- Dependable, responsible and able to use good judgement
Qualifications & Experience
- 1 year previous experience in mortgage industry or customer service related role, preferred but not required (we will train anyone with the right winning attitude!)
- Ability to read and interpret the 1003, initial disclosures/loan estimate and assess change in circumstances that trigger re-disclosure
- Knowledge in the following loan programs/products: conventional, FHA, VA, refinance and purchase
- Knowledge and responsibility for compliance with state and federal regulations applicable to loan fulfillment
- Thorough understanding of agency & investor underwriting guidelines, policies and procedures
- Basic proficiency in Microsoft Office products (Excel, Word, etc.)
- Experience with Empower, a plus
Other Duties: This position profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may be asked to perform additional related duties, as assigned, in order to meet the needs of the organization.