Disclosure Desk Specialist

 About S3:

We are excited to share that S3 was named a Top Workplace of 2022 through the Baltimore Sun, 2023 Top Workplace in the USA as well as for leadership, and 2023 America’s most loved workplaces by Newsweek. Our commitment to teamwork and a positive attitude enables us to deliver service that generates quality results for our partners. If you join our team, we’ll invest in your learning and development through training programs designed to power your success.  

S3 is a Credit Union Service Organization (CUSO) which is an organization, owned by credit unions. We serve credit unions by supporting their operations and delivering world class service.  We support the credit union members with their loans, deposits and other financial needs to achieve their goals. 

The Disclosure Desk Specialist will be a part of our talented First Mortgage Fulfillment team. Our Disclosure Desk Specialist plays a vital role in ensuring all required disclosures are delivered to members within state and federal regulations and our partner Credit Union’s policies and procedures. The Disclosure Desk Specialist works closely with various team members to ensure the accuracy and completeness of mortgage disclosures at application and to capture any changes occur throughout the loan process.

 S3 STAR Values:

• Service
• Teamwork
• Attitude
• Results

 Location:        Remote

TOP JOB RESPONSIBILITIES: 

• Prepare and issue Initial Disclosure packages for FHA, VA, and Conventional mortgage loans ensuring accuracy and compliance with state and federal regulations and our partner Credit Union’s policies and procedures.
• Review loans and documents to determine if changes constitute a valid Change in Circumstance and issue Revised Disclosures ensuring accuracy and compliance with state and federal regulations and our partner Credit Union’s policies and procedures.
• Work in collaboration with Loan Officers, Processors, Underwriters, and other team members to address any discrepancies and ensure the accuracy and validity of the loan disclosures.
• Ensure all required disclosures are delivered to members within state and federal regulatory timeframes while maintaining the highest level of accuracy and member service.

Other responsibilities and opportunities: 

• Maintain accurate records of all disclosures for each individual loan file.
• Responsible for completing tasks by required due dates to effectively manage their loan pipeline. 
• Assist with appraisal delivery to members in a timely manner.
• Additional job-related projects and duties as assigned by management.

QUALIFICATIONS & SKILLS:

• 2 years of first mortgage loan experience, preferably disclosures experience.
• Knowledge of TILA-RESPA Integrated Disclosures (TRID) guidelines, RESPA, HMDA, and CFPB requirements required.
• Knowledge of agency (FNMA/FHLMC/FHA/VA) guidelines and requirements preferred.
• Knowledge of First Mortgage operations and Mortgage Cadence Loan Origination System.
• Proficient in Microsoft Office (Word, Excel, Outlook).
• Excellent communication skills, both verbal and written.
• Ability to analyze and comprehend complex financial data with a high degree of accuracy.
• Excellent time management with the ability to prioritize workload based on department requirements and member needs while working in a fast-paced, deadline driven environment.
• Ability to adjust quickly to shifting priorities
• Ability to work flexible hours as needed.

PERKS AND BENEFITS:

• Group medical, dental, and vision coverage insurance
• Generous Paid Time Off
• Up to 11 Paid Holidays Per Year
• 401(k) With Employer Match and Discretionary Contribution
• Employee Referral Program
• Wellness Programs
• Peer-to-Peer Recognition Program
• Salary commensurate with experience with an expected range of $56,000-$61,000/annually

Equal Employment Opportunity 

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.”

ADA Statement & Requirements

S3 is committed to the full inclusion of all qualified individuals. In keeping with our commitment, S3 will take steps to ensure that people with disabilities are provided reasonable accommodations. 

Work Environment- This position operates in a professional office environment. This role uses standard office equipment such as computers, phones, photocopiers, filling cabinets and fax machines. 

Cognitive Requirements- 

            Occasionally: Perform advanced or non-routine mathematical computations. 

Frequently: Perform basic mathematical computations. Works independently, little supervision needed. Comprehend materials and follow instructions. Compile, copy and compare information. Analyze and compute information. Problem solving and critical thinking. Exercise good judgement/reasoning and resourcefully solve routine problems. Organize and handle multiple tasks and prioritize. 

Constantly: Effectively communicate verbally and in writing. Handle confidential/sensitive information. Exhibit excellent customer service skills. 

Physical Requirements- 

            Frequently:  Speak coherently. 

Constantly: Sit- Remaining in a seated position for long periods of time. Use hand/fingers to handle and feel. Use hands/fingers for repetitive keyboard & hand motion. 

Emotional Effort- Occasional short deadlines. The work environment is occasionally hectic with periods of high stress. 

Internal/External Interaction- Occurs occasionally with periods of high volume.