Disclosure Desk/Loan Set-up Specialist

The Servion Group

New Brighton (MN)

On-site

USD 31,000 - 39,000

Full time

12 days ago

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Benefits offered by this job

Medical Insurance

Telehealth Services

Dental Insurance

Vision Insurance

Life Insurance

Short-term Disability

Long-term Disability

Legal and Identity Theft Protection

Critical Illness Insurance

Hospital Insurance

Accident Insurance

Participation in 401k Plan with up to

Job summary

The Servion Group is seeking a Disclosure Desk Specialist in Minnesota to manage loan disclosures, order required services, and review denied or withdrawn applications. You will collaborate with loan officers, borrowers, and internal partners to keep mortgage files complete and compliant within regulatory timelines.

The ideal candidate has prior mortgage operations, processing, disclosure, or servicing experience and thrives in a fast-paced, deadline-driven environment with multiple

Qualifications

Familiarity with Encompass software & other mortgage systems, processes, laws/regulations/guidelines.
Experience in mortgage operations, processing, disclosures, or servicing preferred.
Knowledge of TRID regulations and disclosure requirements preferred.

Responsibilities

Communicate with loan officers, borrowers, and partners throughout the loan process.
Review residential loan applications for completeness, accuracy, and compliance.
Prepare and deliver initial disclosures per TRID regulations.
Monitor disclosure timelines in the LOS to ensure timely disclosures.
Review and process re-disclosures related to valid changed circumstances.
Evaluate fee accuracy and completeness on disclosure requests.

Skills

Encompass software

Mortgage systems

TRID regulations

Microsoft Office

Attention to detail

Organizational skills

Time management

Verbal & written communication

Independent work

Education

High School Diploma or GED

Tools

Encompass

LOS (Loan Origination System)

Job description

Description

SUMMARY:

The Disclosure Desk Specialist supports both TPO and Retail mortgage channels by managing loan disclosures, ordering required services, and reviewing withdrawn or denied applications. This role works closely with loan officers, borrowers, and internal partners to ensure mortgage files are complete, compliant, and processed within regulatory timelines.

The ideal candidate has prior mortgage operations, processing, disclosure, or servicing experience and is comfortable working in a fast-paced, deadline-driven environment with multiple stakeholders.

ESSENTIAL RESPONSIBILITIES & DUTIES:

Communicate effectively with loan officers, borrowers, and business partners throughout the loan process.
Review residential loan applications to verify completeness, accuracy, and compliance with company and investor requirements.
Prepare and deliver initial disclosures in accordance with TRID (TILA-RESPA Integrated Disclosure) regulations.
Monitor disclosure timelines within the Loan Origination System (LOS) to ensure disclosures are issued within required regulatory timeframes.
Review and process re-disclosures related to valid changed circumstances.
Evaluate fee accuracy and completeness on disclosure requests submitted by production staff.

Order required third-party services, including:

Title work
Appraisals
FHA Case Numbers
Written Verifications of Employment (WVOE)
Other services as required
Review Automated Underwriting System (AUS) findings and conditions to ensure loans meet eligibility and underwriting guidelines.
Ensure all required conditions for closing are satisfied and properly documented.
Prepare Statements of Denial and review HMDA data for withdrawn or denied loans.
Maintain compliance with federal, state, agency, investor, and Credit Union mortgage lending requirements.
Perform additional duties and special projects as assigned.

OTHER DUTIES, KNOWLEDGE, SKILLS, ABILITIES:

Required: must have familiarity with Encompass software & other mortgage systems, processes, laws/regulations/guidelines/principles.

Familiarity with mortgage lending processes, documentation, and compliance requirements
Working knowledge of TRID regulations and disclosure requirements preferred
Experience using Encompass and other mortgage technology platforms preferred
Strong attention to detail with the ability to identify inconsistencies and resolve issues efficiently
Excellent organizational and time management skills
Ability to manage multiple priorities in a fast-paced, highly regulated environment
Strong verbal and written communication skills
Proficiency in Microsoft Office applications, including Word, Excel, and Outlook
Ability to work independently with minimal supervision
Sound judgment and decision-making skills with the ability to escal
Professional demeanor with the ability to collaborate effectively across departments

COMPENSATION: $22.53 – $28.55 an hour

The Servion Group has provided a salary range that represents its good faith estimate of what the company may pay for the position at the time of posting. The specific salary offered will be determined based on factors such as the qualifications of the selected candidate, departmental budget, internal salary equity considerations, and available market information.

General Description of Benefits:

All full-time employees are eligible for Medical Insurance, Telehealth Services, Dental Insurance, Vision Insurance, Life Insurance, Short-term Disability, Long-term Disability, Legal and Identity Theft Protection, Critical Illness Insurance, Hospital Insurance, Accident Insurance, Participation in 401k Plan with up to 5% company match, and Discretionary Bonus Possible but not guaranteed.