Consumer Real Estate Loan Documentation Specialist

Job DetailsJob Location: Operations Center - Birmingham, AL 35242Education Level: High School Diploma/GEDPosition Summary:

The Consumer Real Estate Loan Documentation Specialist role is responsible for preparing and ensuring the accuracy and compliance of all consumer real estate loan documentation. The ideal candidate will have a strong understanding of mortgage lending regulations, specifically TRID, exceptional attention to detail, and the ability to work efficiently in a fast-paced environment.

Essential Duties and Responsibilities:

Prepare and coordinate consumer real estate disclosures, ensuring all disclosures are timely and accurate in accordance with regulatory requirements
Prepare and coordinate consumer real estate loan closing documentation, ensuring all documents are accurate and in accordance with regulatory requirements
Review title commitments, insurance policies, and other third-party reports to identify and resolve any issues that may affect document accuracy
Maintain clear communication with loan officers, processors, and underwriters to facilitate smooth loan closings
Verify all conditions of approval have been satisfied prior to closing
Maintain organized loan files in electronic format in accordance with record retention policies
Assist with internal and external audits by providing documentation and responding to audit findings
Stay current with changes in mortgage lending regulations and industry best practices through continuing education and training
Performs other related duties as assigned
QualificationsKnowledge/Skills/Abilities:

Strong knowledge of residential mortgage lending regulations, including TRID, RESPA, TILA, ECOA, FCRA, and HMDA
Exceptional attention to detail and accuracy in reviewing complex documentation
Strong organizational and time management skills with ability to manage multiple priorities and meet deadlines
Excellent written and verbal communication skills
Proficiency in Microsoft Office Suite (Word, Excel, Outlook)
Jack Henry system knowledge preferred
LaserPro system knowledge preferred
Ability to work independently with little supervision
Ability to multi task and prioritize workload in a fast-paced work environment

Competencies:

Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance.
Collaboration: Works with project team members to summarize progress in preparation for briefings; Volunteers to assist others with excess work; Contributes to group discussions.
Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; Effectively handles situations with moderate degree of tension, conflict and/or distress.
Decision-Making: Exercises good judgment in situations where there are clear and straightforward answers; Understands when it is appropriate to make decisions independently vs. when it is appropriate to seek advice from higher level; Occasionally seeks guidance from others when faced with adversity.
Organizational Awareness: Demonstrates general knowledge of the mission and functions of the organization; Demonstrates basic knowledge of and adheres to the organization’s policies, procedures, rules, regulations impacting the organization, and guidelines; Stays current with organizational programs and polices; Understands the company's organizational structure and key departments/functions.
Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; Willingly accepts new or additional responsibilities.

Education and Experience:

Required:

High school diploma or GED required
Minimum 2-3 years of experience in mortgage loan documentation, closing, or processing


Preferred:

Associate's or Bachelor's degree in Business, Finance, or related field preferred