Consumer Real Estate Loan Documentation Specialist

Bryant Bank; Birmingham (AL); On-site; USD 55,000 - 75,000; Full time

Job summary

Bryant Bank in Birmingham, AL, seeks a Consumer Real Estate Loan Documentation Specialist to prepare and verify all disclosures and closing documents, ensuring accuracy and regulatory compliance. The role demands strong knowledge of TRID, RESPA, TILA, and related mortgage regulations, plus meticulous attention to detail and timely communication with the loan team.

Ideal candidates will manage multiple closings in a fast-paced environment, maintain organized electronic files, and support audits

Qualifications

• Strong knowledge of residential mortgage lending regulations (TRID, RESPA, TILA, ECOA, FCRA, HMDA).
• Exceptional attention to detail and accuracy in reviewing complex documentation.
• Proficient in MS Office; experience with Jack Henry and LaserPro systems preferred.

Responsibilities

• Prepare and coordinate disclosures and closing documents ensuring regulatory compliance.
• Review title commitments, insurance, and third-party reports for accuracy.
• Maintain organized electronic loan files and support audits with documentation.
• Communicate with loan officers, processors, and underwriters to facilitate closings.
• Verify conditions of approval are satisfied prior to closing.

Skills

Mortgage regulations TRID

Attention to detail

Organizational skills

Written and verbal communication

Microsoft Office Suite

Jack Henry system knowledge

LaserPro system knowledge

Independent work

Multitasking

Education

High school diploma or GED

Associate/Bachelor's degree preferred

Tools

Jack Henry system

LaserPro

Microsoft Word

Excel

Outlook

Job description

Position Summary:The Consumer Real Estate Loan Documentation Specialist role is responsible for preparing and ensuring the accuracy and compliance of all consumer real estate loan documentation. The ideal candidate will have a strong understanding of mortgage lending regulations, specifically TRID, exceptional attention to detail, and the ability to work efficiently in a fast-paced environment.Essential Duties and Responsibilities:Prepare and coordinate consumer real estate disclosures, ensuring all disclosures are timely and accurate in accordance with regulatory requirementsPrepare and coordinate consumer real estate loan closing documentation, ensuring all documents are accurate and in accordance with regulatory requirementsReview title commitments, insurance policies, and other third-party reports to identify and resolve any issues that may affect document accuracyMaintain clear communication with loan officers, processors, and underwriters to facilitate smooth loan closingsVerify all conditions of approval have been satisfied prior to closingMaintain organized loan files in electronic format in accordance with record retention policiesAssist with internal and external audits by providing documentation and responding to audit findingsStay current with changes in mortgage lending regulations and industry best practices through continuing education and trainingPerforms other related duties as assignedKnowledge/Skills/Abilities:Strong knowledge of residential mortgage lending regulations, including TRID, RESPA, TILA, ECOA, FCRA, and HMDAExceptional attention to detail and accuracy in reviewing complex documentationStrong organizational and time management skills with ability to manage multiple priorities and meet deadlinesExcellent written and verbal communication skillsProficiency in Microsoft Office Suite (Word, Excel, Outlook)Jack Henry system knowledge preferredLaserPro system knowledge preferredAbility to work independently with little supervisionAbility to multi task and prioritize workload in a fast-paced work environmentCompetencies:Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance.Collaboration: Works with project team members to summarize progress in preparation for briefings; Volunteers to assist others with excess work; Contributes to group discussions.Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; Effectively handles situations with moderate degree of tension, conflict and/or distress.Decision-Making: Exercises good judgment in situations where there are clear and straightforward answers; Understands when it is appropriate to make decisions independently vs. when it is appropriate to seek advice from higher level; Occasionally seeks guidance from others when faced with adversity.Organizational Awareness: Demonstrates general knowledge of the mission and functions of the organization; Demonstrates basic knowledge of and adheres to the organization’s policies, procedures, rules, regulations impacting the organization, and guidelines; Stays current with organizational programs and polices; Understands the company's organizational structure and key departments/functions.Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; Willingly accepts new or additional responsibilities.Education and Experience:Required:High school diploma or GED requiredMinimum 2-3 years of experience in mortgage loan documentation, closing, or processingPreferred:Associate's or Bachelor's degree in Business, Finance, or related field preferred