Mortgage Disclosure Analyst

ZIND Zillow India Private Limited; Bengaluru; On-site; INR 400,000 - 600,000; Full time

Job summary

ZIND Zillow India Private Limited is looking for a Post-Closing CD Specialist to ensure compliance and accuracy in mortgage documentation. This role involves reconciling the Closing Disclosure and maintaining records within the Loan Origination System. Candidates should be detail-oriented and possess strong communication skills.

The position is office-based, requiring employees to work primarily at the Bengaluru office. A high school diploma and knowledge of mortgage compliance regulations are essential for this role.

Qualifications

• Knowledge of mortgage compliance regulations for Conventional, FHA, USDA, and VA loan programs.
• Familiarity with Encompass (LOS); strongly preferred.
• Ability to compute rates, ratios, and percentages and to draw and interpret bar graphs.

Responsibilities

• Develop and maintain a thorough understanding of the company’s Loan Origination System (LOS).
• Review and ensure accuracy and data integrity for the issuance of the Closing Disclosure and Loan Estimate.
• Deliver mortgage loan disclosures in a secure and accurate manner.

Skills

Knowledge of mortgage compliance regulations

Familiarity with Encompass (LOS)

Working knowledge of Microsoft Office Suite

Excellent oral and written communication skills

Strong problem-solving ability

Education

High school diploma or general education degree

Job description

About the team

As part of the Zillow Home Loans team, you will play an active role in delivering best-in-class service and helping customers achieve an optimal closing experience. Our Post-Closing team ensures that every mortgage transaction is accurately documented and compliant, providing customers with a precise and complete record of their loan. We are committed to accuracy, transparency, and regulatory excellence in every loan we support.

About the role

The Post-Closing CD Specialist is responsible for reconciling the final version of the Closing Disclosure (CD), including any post-funding revisions, to ensure accuracy, compliance, and data integrity. This role plays a key part in delivering secure, timely, and compliant mortgage disclosures while maintaining detailed documentation within the Loan Origination System (LOS).

Responsibilities

• Develop and maintain a thorough understanding of the company’s Loan Origination System (LOS).
• Review and ensure accuracy and data integrity for the issuance of the Closing Disclosure and Loan Estimate.
• Reconcile post-funding revisions to ensure customers receive an exact record of their mortgage transaction.
• Maintain accurate records of communications and actions related to the disclosure process within the loan file conversation log.
• Maintain service levels and adhere to regulatory timelines for completion and delivery of disclosures, verified through LOS tracking systems.
• Deliver mortgage loan disclosures in a secure and accurate manner.
• Maintain confidentiality and privacy of customer and employee information.
• Work overtime as needed to support business and regulatory timelines.

Work Environment

This role has been categorized as an Office position. “Office” employees regularly work at the Zillow India office for approximately 80 to 100 percent of their time each month. Employees must live within a reasonable commuting distance of the office. Zillow has not defined a reasonable distance, and expects employees will use judgment in determining this for themselves and understand the implications re: time commitment and cost of daily commute.

Compensation

In addition to a competitive base pay, employees in this role are eligible for incentive compensation subject to applicable laws and relevant Zillow policies. Actual amounts will vary depending on experience, performance and location.

Who you are

You are detail-oriented, compliance-focused, and committed to delivering accurate mortgage documentation. You thrive in a fast-paced environment, manage competing deadlines effectively, and take pride in maintaining high standards of data integrity. You communicate clearly, approach challenges with strong problem-solving skills, and understand the importance of regulatory compliance in the mortgage process.

Qualifications & Skills

• Knowledge of mortgage compliance regulations for Conventional, FHA, USDA, and VA loan programs.
• Familiarity with Encompass (LOS); strongly preferred.
• Working knowledge of Microsoft Office Suite.
• High school diploma or general education degree required.
• Excellent oral and written communication skills with a strong customer service orientation.
• Strong problem-solving ability.
• Ability to self-direct and adapt to changing timelines and deadlines.
• Ability to multi-task and succeed in a fast-paced environment.
• Ability to compute rates, ratios, and percentages and to draw and interpret bar graphs.

EEO Statement

Zillow Group is an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender, maternity status, HIV status, or veteran status. Reasonable accommodations will be provided to candidates with disabilities, in accordance with applicable policies.