Mortgage Disclosure Desk Specialist

Sunflower Bank Mortgage Lending; Irvine (CA); Hybrid; USD 36,000 - 39,000; Full time

Benefits offered by this job

401(k) Plan with 6% Match

Health/Dental/Vision Insurance

Company-paid Life Insurance

Tuition Reimbursement

Fitness Reimbursement

Paid Time Off

Volunteer Leave

Paid Holidays

Plus many more associate perks & inc

EOE/AA statement

Job summary

Sunflower Bank, N.A. is seeking a Mortgage Disclosure Desk Specialist in Irvine, CA. The role focuses on TRID/HUD disclosures, ensuring accuracy and regulatory compliance within established timeframes.

Hybrid and remote options are available, with compensation hourly between $26 and $28 depending on knowledge, skills, experience, and location. The position requires experience with Ellie Mae Encompass and residential mortgage lending basics.

Qualifications

• Bachelor’s degree preferred but not required.
• 1+ years of directly related experience and training.
• Direct experience with Ellie Mae Encompass preferred.
• Knowledge of residential mortgage lending and loan types (Conventional, FHA, VA, USDA).
• Familiarity with URLA, TRID, ECOA and RESPA regulations.

Responsibilities

• Send accurate disclosures out within the regulated timeframe.
• Monitor Disclosure Pipeline and reporting for TRID/ECOA/RESPA disclosures.
• Coordinate with MLO and LOA to ensure disclosure delivery within regulations.
• Send electronic disclosures to clients who elected electronic delivery.
• Mail disclosures to applicants who opted for mail delivery.
• Review file disclosures for completeness and accuracy before sending.
• Work with Ellie Mae Encompass to disclose loans electronically or print disclosures for delivery by mail.
• Monitor centralized Disclosure Desk emails for questions.
• Monitor COCC Emails for needed disclosures including lock-in disclosures.
• Review all lock confirms to ensure proper re-disclosure within time frames.
• Review all changes to determine revised TRID disclosures are necessary.
• Review all calculated fees for any change in circumstance.
• Issue revised disclosures to customers as required.
• Document COC in all files.

Skills

Regulatory knowledge

Mortgage lending knowledge

Attention to detail

Communication skills

Education

Bachelor’s Degree preferred

Tools

Ellie Mae Encompass

Job description

Description

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com.

Job Type

Full-time

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Mortgage Disclosure Desk Specialist at our Irvine, CA location.

Hybrid and fully remote options available.

The hourly rate for this position is $26.00 - $28.00 per hour depending on knowledge, skills, abilities, experience, and location.

Description

The Disclosure Desk Specialist is responsible for initial and ongoing TILA/RESPA Integrated Disclosures (TRID) and State Compliance related to consumer-facing disclosures.

Responsibilities

• Send accurate disclosures out within the regulated timeframe.
• Monitor Disclosure Pipeline and reporting for required TRID/ECOA/RESPA disclosures.
• Communicate with MLO and Production Partner (LOA) to ensure delivery of disclosures are completed within regulations.
• Send electronic disclosures to clients who have elected to receive electronic disclosures.
• Mail disclosures to applicants who have opted to not receive electronic disclosures.
• Review file disclosures for completeness and accuracy before sending.
• Work with Ellie Mae Encompass to disclose loans electronically or print disclosures for delivery by mail.
• Monitor centralized Disclosure Desk emails for questions.
• Monitor Change of Circumstance (COC) Emails for needed disclosures including lock-in disclosures.
• Review all lock confirms to ensure loans are re-disclosed properly within time frames.
• Review all changes to determine whether revised TRID Disclosures (Loan Estimate and COC Disclosure) are necessary due to valid COC.
• Review all calculated fees for each change in circumstance (Loan Amount Increase).
• Issue revised disclosures to customer due to any change in circumstances required.
• Document COC in all files.

Education / Experience Required

• Bachelor’s Degree with major course work in a discipline related to the requirements of the position preferred but not required.
• 1 or more years of directly related experience and training.
• Direct experience with Ellie Mae Encompass, preferred.
• Common knowledge and experience with residential mortgage lending and the following loan types:
• Conventional/Confirming
• FHA (HUD)
• VA (Dept. of Veterans Affairs)
• USDA (Rural Development)
• Familiarity with and knowledge of regulatory governance concerning the following:
• Universal Residential Loan Application (URLA)
• TILA/RESPA Integrated Disclosures (TRID)
• Equal Credit Opportunity Act (ECOA)
• Real Estate Settlement Procedures Act (RESPA)

Pay is dependent on knowledge, skills, abilities, experience, and location.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Sunflower Bank Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.

Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates Enjoy Outstanding Benefits, Including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

You’ve never worked anyplace like Sunflower Bank!

EOE/AA: Minorities/Females/Disabled/Vets

Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.