Mortgage Disclosure Specialist presso Bell Bank

This position promptly, efficiently, and compliantly creates and revises loan estimates and corresponding disclosure statements.

Primary Duties:

• Review each loan request to make sure the file is compliantly documented and issue the loan estimate according to the TILA RESPA Integrated Disclosure/Know Before You Owe rules.
• Monitor initial disclosure due dates via LOS system. Prepare, validate, and send initial disclosures and application packages within the regulatory timeframe. Evaluate fees on initial disclosure requests from production staff to ensure accuracy and completeness.
• Monitor changed circumstances via LOS system. Prepare and send re-disclosures within the regulatory timeframe. Evaluate re-disclosure requests from production staff to ensure validity.
• Communicate with loan officers and/or processors as needed to ensure consistent communication with borrowers.
• Provide feedback to supervisor regarding processes and procedures to ensure maximum efficiency and to enhance adherence to compliance issues.
• With guidance from the supervisor, stays abreast of all regulatory changes affecting job duties.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• Minimum 1-2 years of mortgage disclosure experience.
• Strong attention to detail.
• Strong organizational skills.
• Ability to communicate information clearly and concisely both verbally and in writing.
• Ability to follow written and verbal directives.
• Ability to work efficiently and effectively under deadlines and stress while maintaining a professional.
• Strong computer skills; proficiency in Microsoft Word, Excel and Outlook.
• Ability to work independently with minimal supervision.
• Ability to articulate ideas and methods to improve workflow.
• Ability to adapt to changes to procedures and regulatory requirements.
• Ability to work well with people with diversified personalities.