Mortgage Disclosure Desk Specialist

MIDLAND FEDERAL SAVINGS AND LOAN ASSOCIATION; United States; Remote; USD 65,000 - 90,000; Full time

Job summary

Midland Federal Savings and Loan Association is seeking a Mortgage Disclosure Desk Specialist to prepare, review, and issue accurate disclosures in line with TRID, RESPA, TILA, and governing regulations. You will work closely with loan officers, processors, underwriters, and closing teams to ensure timely disclosures throughout the loan process.

The role requires attention to detail, strong organizational skills, and the ability to manage a high-volume workflow while meeting strict regulatory

Qualifications

• High school diploma or equivalent; associate or bachelor’s degree preferred.
• 1–3 years mortgage lending, disclosure, processing, closing, or compliance experience preferred.
• Knowledge of TRID, RESPA, TILA, and mortgage fee-tolerance requirements.
• Experience with loan origination systems and mortgage-document platforms preferred.

Responsibilities

• Prepare and deliver initial and revised Loan Estimates, Closing Disclosures within regulatory time frames.
• Review loan applications and supporting documentation for accuracy and completeness.
• Monitor changed circumstances, fee adjustments, loan term changes, and tolerance requirements.
• Calculate and validate fees, cash-to-close, prepaid items, escrow, credits.
• Maintain compliance with TRID, RESPA, TILA and state requirements.
• Track disclosure deadlines and follow up on outstanding information.
• Document disclosure activity and retain evidence of delivery and borrower acknowledgment.
• Identify discrepancies and coordinate corrections with stakeholders.
• Respond to disclosure-related questions and provide guidance on procedures.
• Support quality-control reviews, audits, and process-improvement initiatives.

Skills

Attention to detail

Organization

Analytical ability

Time management

Written and verbal communication

Education

HS diploma or equivalent

Associate degree

Bachelor's degree

Tools

Microsoft Office

Loan origination systems

Document management systems

Job description

The Mortgage Disclosure Desk Specialist is responsible for preparing, reviewing, and issuing accurate and timely mortgage disclosures in compliance with federal and state regulations, investor guidelines, and company policies. This position partners with loan officers, processors, underwriters, and closing teams to ensure loan files meet disclosure requirements throughout the mortgage process.

Key Responsibilities

• Prepare and deliver initial and revised Loan Estimates, Closing Disclosures, and other required mortgage disclosures within regulatory time frames.
• Review loan applications and supporting documentation for accuracy, completeness, and consistency.
• Monitor changed circumstances, fee adjustments, loan term changes, and tolerance requirements to determine whether redisclosure is necessary.
• Calculate and validate fees, cash-to-close amounts, prepaid items, escrow requirements, and applicable credits.
• Maintain compliance with TRID, RESPA, TILA, state-specific requirements, and internal procedures.
• Track disclosure deadlines and follow up on outstanding information to prevent processing or closing delays.
• Document disclosure activity and retain evidence of delivery and borrower acknowledgment.
• Identify discrepancies and coordinate corrections with loan officers, processors, settlement agents, and other stakeholders.
• Respond to disclosure-related questions and provide guidance on company procedures.
• Support quality-control reviews, compliance audits, and process-improvement initiatives.

Qualifications

• High school diploma or equivalent required; associate or bachelor's degree preferred.
• One to three years of mortgage lending, disclosure, processing, closing, or compliance experience preferred.
• Working knowledge of TRID, RESPA, TILA, and mortgage fee-tolerance requirements.
• Experience with loan origination systems and mortgage-document platforms preferred.
• Strong attention to detail, organization, analytical ability, and time management.
• Ability to manage a high-volume workload and meet strict regulatory deadlines.
• Clear written and verbal communication skills.
• Proficiency with Microsoft Office and document-management systems.

Preferred Competencies

• Regulatory and compliance awareness
• Accuracy and quality control
• Deadline management
• Problem-solving and sound judgment
• Cross-functional collaboration
• Confidential handling of borrower information