Jobs and Careers

Disclosure Specialist

Louisville, United Statesfull_timeVerifiedPosted 26 Jun 2026

About the role

“Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job!“

Grade 4

About Republic Bank

Republic Bank’s values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates. It’s one of the reasons we’ve been named as one of the Best Places to Work in Kentucky for ten years! For more information about the company, please visit www.republicbank.com.

POSITION PURPOSE AND OBJECTIVES

The Disclosure Specialist is responsible for monitoring the timely disclosure of all initial disclosures and change of circumstances within the Loan Origination System and ensuring they are delivered accurately fully complying to all applicable federal and state regulations while maintaining exceptional customer experience by specializing in the mortgage disclosure process. Maintain a thorough knowledge of Bank products, services, policies, procedures, and appropriate regulatory issues as related to daily job functions. Provide guidance to management when errors or discrepancies are identified and revisions to any policies and procedures along with responding to questions relating to those policies and procedures.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

MINIMUM QUALIFICATIONS

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Minimum 1-year previous mortgage or banking industry experience preferred.

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Experience in BytePro or other loan operations system, preferred.

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Proficiency in Microsoft Office products (Word, Excel, Access, PowerPoint) and Internet applications.

ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES

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Responsible for preparing a loan estimate with each new loan application and send initial disclosures including the Loan Estimate, are delivered to the borrower based on the selected loan program within the allowed government regulated time frame.

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Communicate with originators, secondary marketing and processing regarding data entry or pricing discrepancies within the Loan Origination System.

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Review compliance Audit Worksheet for each loan to determine all regulatory guidelines are within limits (Example, HPML, Safe Harbor, QM, etc.).

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Ensure all HMDA data is current and correct at the submission of the loan application.

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Responsible for reviewing rate lock confirmations for accuracy.

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Responsible for setting up the loan file with the accurate fees according to the selected loan program and other loan parameters.

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Follow all procedural guidelines set by management.

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Responsible for reviewing and maintaining multiple pipelines and tasks to ensure work is completed timely per the set Service Level Agreements set by the department manager.

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Responsible for updating all fees and redisclosure on the Loan Estimate, if applicable, when a valid Change of Circumstance occurs.

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Maintain knowledge of loan programs offered through the bank (i.e.: Conventional, Portfolio, Equity, FHA, KHC and VA loans).

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Ensure the quality of work meetings set Quality Control goals with are 10% or less errors categorized as Significant errors and 15% or less errors categorized as Moderate errors.

Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
Model and foster behaviors that support the Bank’s values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
Willingly perform all other duties and projects as assigned.