Loan Officer Assistant/Disclosure Specialist

CCM CrossCountry Mortgage, LLC; Columbia (MD); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive compensation

Medical insurance

Dental insurance

Vision insurance

401K plan

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage, LLC is seeking a Branch Disclosure Specialist to review loan files, prepare disclosures, and ensure timely, accurate submissions to customers and loan teams. You will work daily with Loan Officers and Production Managers to maintain TRID compliance and prevent disclosure issues.

The role requires a solid mortgage background, strong attention to detail, and excellent customer service skills. Training and a supportive culture are emphasized in this growing organization.

Qualifications

• Experience with RESPA/TRID rules.
• Experience in the mortgage industry.
• Knowledge of TILA-RESPA Integrated Disclosure Rule.
• FHA/VA/USDA knowledge is a plus.
• Excellent attention to detail and customer service.

Responsibilities

• Review loan documentation to identify deficiencies and notify the loan officer.
• Clarify/correct information with CCM customers via phone or email.
• Prepare disclosures and re-disclosures within 3 days of application or change of circumstance.
• Verify accuracy of fees to mitigate TRID/RESPA violations.
• Upload disclosures to Encompass.
• Review compliance and revise as needed to pass.
• Identify HPML, Safe Harbor, and Rebuttable Presumption considerations.
• Answer disclosure emails timely and accurately.
• Coordinate with Sales, Processing, Closing and Underwriting as needed.

Skills

RESPA/TRID

Mortgage industry

TILA-RESPA knowledge

FHA/VA/USDA knowledge

Attention to detail

Customer service

Education

High School Diploma or equivalent

Job description

CrossCountry Mortgage (CCM)is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview

The Branch Disclosure Specialist is responsible for reviewing loans for documentation needs and producing the disclosures and delivering the document to consumers. This position has daily contact with CCM customers, Loan Originators, & Production Managers to ensure accurate and timely disclosures and loan submissions.

Job Responsibilities

• Review documents and entire loan files and work to prevent problems by highlighting deficiencies and then notifying the mortgage loan officer.
• Clarify/correct information and obtain additional information from CCM customers, as necessary, via phone, email, etc.
• Prepare disclosures and re-disclosures within 3 days of application or Change of Circumstance.
• Verify accuracy of fees to mitigate TRID and RESPA violations.
• Upload Disclosures to Encompass.
• Review Compliance Review, revise any changes to obtain a pass.
• Review for HPML, Safe Harbor and Rebuttable Presumption.
• Answer Disclosure emails timely and accurately.
• Communicate with all partners including Sales, Processing, Closing and Underwriting as needed.

Qualifications and Skills

• High School Diploma or equivalent.
• Experience with RESPA/TRID.
• Experience in the mortgage industry.
• Knowledge of TILA-RESPA Integrated Disclosure Rule.
• FHA/VA/USDA knowledge a plus.
• Excellent attention to detail.
• Exceptional customer service skills.

Benefits

• Competitive compensation plan
• Medical
• Dental
• Vision
• 401K
• Company-provided short-term disability
• Employee assistance program
• Wellness program

Equal Employment Opportunity Statement

CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”).

The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation.

The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.

Additional Information

CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.

California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.

Our growth is creating great opportunities! Our team is expanding, and we want to hire the most talented people we can. Continued success depends on it!

Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people. Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful. They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.