Disclosure Desk/Loan Set-up Specialist

SERVION INC; New Brighton (MN); On-site; USD 30,000 - 39,000; Full time

Benefits offered by this job

Medical Insurance

401k with company match

Discretionary bonus

Job summary

Servion Inc. is seeking a Disclosure Desk Specialist to support both TPO and Retail mortgage channels by managing loan disclosures, ordering required services, and reviewing withdrawn or denied applications to ensure mortgage files are complete and compliant.

The ideal candidate has mortgage operations or processing experience, familiarity with TRID, and proficiency with Encompass. The role requires meticulous attention to detail and the ability to coordinate with multiple stakeholders in a

Qualifications

• High school diploma or GED required.
• At least 1 year mortgage or administrative experience.
• Knowledge of conventional and government loan programs.
• Understanding of underwriting conditions and mortgage compliance standards.
• Experience in a deadline-driven lending environment.
• Familiarity with Encompass and other mortgage platforms.

Responsibilities

• Communicate with loan officers, borrowers, and partners throughout the loan process.
• Verify residential loan applications for completeness, accuracy, and compliance.
• Prepare and deliver TRID-compliant initial disclosures.
• Monitor disclosure timelines in LOS to ensure regulatory timeframes.
• Process re-disclosures related to valid changed circumstances.
• Review fees for disclosure requests submitted by production staff.
• Order title work, appraisals, FHA case numbers, WVOE, and other services.
• Review AUS findings to ensure loans meet guidelines.
• Ensure closing conditions are satisfied and documented.
• Prepare denial statements and review HMDA data for withdrawn or denied loans.
• Maintain compliance with mortgage lending requirements.

Skills

Mortgage operations

Disclosures processing

TRID regulations

Encompass software

Detail oriented

Time management

Communication

Education

High School Diploma or GED

Tools

Microsoft Office

Encompass software

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supports both TPO and Retail mortgage channels by managing loan disclosures, ordering required services, and reviewing withdrawn or denied applications.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 elevate issues appropriately
• 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 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.

Requirements

PREFERRED QUALIFICATIONS

• Education: High School Diploma or GED
• Experience: At least one year of mortgage experience or administrative experience required, plus:

• 1. Experience in mortgage operations, processing, disclosures, or servicing
• 2. Knowledge of conventional and government loan programs
• 3. Understanding of underwriting conditions and mortgage compliance standards
• 4. Prior experience in a deadline-driven lending environment

• Licenses/Certifications: None