Mortgage Disclosure Desk Specialist

Homebased within FirstBank Footprint.Summary:  The Mortgage Disclosure Specialist is responsible for preparing and reviewing initial and re-disclosures for all mortgage loan types, ensuring compliance with federal, state, and investor regulations. This role requires strong attention to detail, excellent communication skills, and a thorough understanding of TRID and RESPA guidelines. The specialist will work closely with internal teams to ensure timely and accurate delivery of disclosures. Essential Duties and Responsibilities:

• Prepare initial compliance disclosures and subsequent re-disclosures for all mortgage loan types, including Conventional, FHA, VA, and USDA.
• Monitor loan pipelines and collaborate with staff to ensure timely delivery and accuracy of fees.
• Ensure compliance with bank policies and federal, state, and local regulations across multiple states.
• Maintain up-to-date knowledge of RESPA guidelines and regulatory changes.
• Communicate with Loan Officers, Processors, and other departments to confirm disclosure accuracy and provide feedback when modifications are needed.
• Review and validate TRID disclosures, including APR and Non-APR fields.

Additional Responsibilities

• Assist with audits or internal reviews related to disclosure compliance.
• Support training efforts for new staff on disclosure procedures and systems.

  Education and/or Experience        

• Minimum of 2 years of recent experience in the mortgage industry.
• Experience with IDS Closing Documents, Ellie Mae Docs, and Encompass 360.
• Knowledge of TRID and RESPA regulations.          

 Skills and Abilities   

• Strong organizational and time management skills.
• Excellent verbal and written communication.
• Keeping attention to detail and accuracy.
• Ability to demonstrate the highest level of ethical behavior and maintain confidentiality with sensitive information.
• Respectful demeanor that promotes a positive and professional work environment.
• Understanding of and compliance with bank policies, laws, and regulations applicable to job duties, including completion of compliance training and reporting of any violations or suspicious activity.
• Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information. 
• Respectful demeanor toward other associates and managers that promotes a positive and professional work environment.

Understand and comply with bank policy, laws, regulations as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.