Disclosure Desk Analyst at Dream Finders Homes in Franklin, TN

Job description

• The Disclosure Desk Analyst is responsible for ensuring that all required mortgage disclosures are prepared, reviewed, and delivered to borrowers in compliance with federal and state regulations. This role involves verifying the accuracy of disclosure documents, managing the disclosure process, and coordinating with various departments to ensure timely and compliant communication with borrowers.

Responsibilities

• Prepare and review mortgage disclosure documents, including the Loan Estimate (LE), Closing Disclosure (CD), and other regulatory disclosures.
• Ensure accuracy and completeness of all disclosure documents in accordance with RESPA, TILA, and other applicable regulations.
• Monitor and stay current with changes in disclosure regulations and industry standards to ensure compliance.
• Implement and maintain procedures to ensure timely and accurate delivery of disclosures to borrowers.
• Collaborate with loan officers, processors, and underwriters to gather necessary information for accurate disclosure preparation.
• Communicate with borrowers regarding disclosure-related questions and concerns.
• Maintain accurate records of all disclosures issued, including electronic and paper copies.
• Ensure proper documentation and storage of disclosure-related files for audit and compliance purposes.
• Identify and resolve discrepancies or issues related to disclosure documents.
• Address and correct any errors or omissions in disclosure documents promptly.
• Conduct regular audits of disclosure documents to ensure adherence to regulatory requirements and internal policies.
• Provide feedback and recommendations for process improvements to enhance accuracy and efficiency.
• Assist in training new staff on disclosure procedures and compliance requirements.
• Support team members with disclosure-related questions and provide guidance as needed.
• Perform general administrative duties related to the disclosure process, such as data entry and filing.
• Assist with special projects and other tasks as assigned by the Compliance Manager or Disclosure Manager.

Requirements

• Education: Associate's degree in Business Administration, Finance, or a related field; Bachelor's degree preferred.
• Experience: Minimum of 1-2 years of experience in mortgage disclosure or compliance, or a related field.
• Strong knowledge of mortgage disclosure regulations (e.g., RESPA, TILA) and industry practices.
• Proficiency in mortgage software and Microsoft Office Suite.
• Excellent attention to detail and accuracy in document preparation.
• Strong organizational and time-management skills.
• Effective communication and interpersonal skills.

Skills

Required

• Mortgage software
• Microsoft Office Suite

Benefits

• Our benefits include: Health Insurance - Medical, Dental & Vision; Vacation & Holidays -- generous PTO & 11 holidays; 401(k) Savings Plan with company match, Employee Wellness and Employee Assistance Programs, Home Purchase Discount for Associates, Pet Insurance.