Mortgage CD & TRID Analyst

Sgsn Associates; Dehradun; On-site; INR 450,000 - 850,000; Full time

Job summary

Sgsn Associates is seeking an experienced Mortgage Closer to manage the full closing lifecycle, ensuring TRID compliance and accurate Closing Disclosures. The role requires reviewing compliance packages and coordinating with partners to meet all regulatory and investor requirements.

The ideal candidate will have strong attention to detail, extensive knowledge of closing procedures, and the ability to resolve discrepancies efficiently while maintaining timelines for investor delivery.

Qualifications

• 5+ years of Mortgage Closing experience.
• Knowledge of agency and investor guidelines.
• Experience with Encompass and investor portals.
• Ability to identify and resolve closing and compliance deficiencies.
• Strong attention to detail and analytical skills.
• Excellent communication and coordination skills.

Responsibilities

• Review approved loan files and prepare them for closing.
• Generate and review Closing Disclosures (CDs) and ensure accuracy of all fees, loan terms, and borrower information.
• Calculate cash-to-close, prepaid items, escrows, and closing costs.
• Ensure compliance with all federal, state, investor, and lender requirements.
• Coordinate with Loan Officers, Processors, Underwriters, Title Companies, Settlement Agents, and Investors to obtain outstanding closing conditions.
• Review title commitments, homeowners insurance, flood certifications, tax information, and payoff statements.
• Manage funding conditions and clear pre-closing requirements.
• Conduct final quality control reviews prior to closing.
• Resolve closing discrepancies and compliance-related issues.
• Maintain closing timelines and meet investor delivery requirements.

Skills

Independent closing

Agency/investor guidelines

Encompass experience

Closing/compliance deficiencies

Attention to detail

Analytical skills

Communication & coordination

Tools

Encompass

Investor portals

Job description

Closing Specialist / Mortgage Closer - Detailed Requirements

We are looking for an experienced Mortgage Closer who has in-depth knowledge of the complete loan closing process, including TRID compliance, Closing Disclosure (CD) preparation and review, and Compliance Package review requirements.

Key Responsibilities

• Review approved loan files and prepare them for closing.
• Generate and review Closing Disclosures (CDs) and ensure accuracy of all fees, loan terms, and borrower information.
• Calculate cash-to-close, prepaid items, escrows, and closing costs.
• Ensure compliance with all federal, state, investor, and lender requirements.
• Coordinate with Loan Officers, Processors, Underwriters, Title Companies, Settlement Agents, and Investors to obtain outstanding closing conditions.
• Review title commitments, homeowner's insurance, flood certifications, tax information, and payoff statements.
• Manage funding conditions and clear pre-closing requirements.
• Conduct final quality control reviews prior to closing.
• Resolve closing discrepancies and compliance-related issues.
• Maintain closing timelines and meet investor delivery requirements.

TRID Knowledge Requirements

Candidate must demonstrate strong understanding of:

• TILA-RESPA Integrated Disclosure (TRID) requirements.
• Loan Estimate (LE) and Closing Disclosure (CD) timing requirements.
• 3-business-day CD disclosure rule.
• Changed Circumstance requirements.
• Fee tolerance cures and tolerance categories.
• Re-disclosure requirements.
• APR tolerance calculations.
• Cash-to-close calculations.
• Borrower acknowledgement requirements.
• Waiting period requirements.
• Non-TRID and TRID loan distinctions.
• Federal and state-specific disclosure requirements.

Compliance Package Knowledge

Candidate should be able to review and validate:

• Compliance Packages.
• High Cost and Higher-Priced Mortgage tests.
• Federal and State disclosures.
• ECOA requirements.
• RESPA requirements.
• TILA requirements.
• HMDA-related data points.
• Fair Lending compliance.
• Anti-Steering disclosures.
• Initial and Final CD compliance.
• Ability-to-Repay (ATR) requirements.
• Qualified Mortgage (QM) requirements.
• State-specific closing documents and disclosures.

Required Skills

• Ability to independently close Conventional, FHA, VA, USDA, Non-QM, Delegated, and Non-Delegated loans.
• Strong understanding of agency and investor guidelines.
• Experience with Encompass and investor portals.
• Ability to identify and resolve closing and compliance deficiencies.
• Strong attention to detail and analytical skills.
• Excellent communication and coordination skills.

Preferred Experience

• 5+ years of Mortgage Closing experience.
• Experience handling high-volume pipelines.
• Knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and Jumbo guidelines.
• Previous experience working with compliance audits and investor reviews.