Description

Work for an Award Winning Company Culture!

Are you an independent, self-starting, team player with a positive attitude? Are you passionate about giving back to your community? Do you want to work for a company that we like to think as the “happiest place in mortgage” and has been voted a “Best Place to Work” for the last 17 years? Join our family at Homeowners Financial Group and you can take advantage of our great benefits.

Benefits:

• Award-Winning Company Culture
• Employee volunteer opportunities
• 9 paid holidays
• Generous paid time off policy
• Cigna Healthcare Benefits including medical, dental, vision, life, and disability
• Ancillary Benefits include: Aflac, MetLaw Legal Plan, Pet Benefit Solutions
• 401k with discretionary match
• Employee tenure program
• President's Club eligibility for both Sales and Operations staff

Who We Are: Homeowners Financial Group has over 300 employees in 41 offices across the country and has helped tens of thousands of homeowners realize home ownership. We are not your typical mortgage company: we foster a “family” environment, we give back to the community through dozens of charities and we love what we do!

Who We Want: We want a Disclosure Coordinator that proactively supports the Disclosure Department’s objectives by ensuring the timely delivery of agency, federal and state-mandated disclosures for mortgage loan transactions. The position is responsible for issuing initial disclosures and subsequent re- disclosures for multiple loan types. The Disclosure Coordinator also confirms accurate disclosure types and fees of mortgage loan files while ensuring disclosures are sent to the borrower, electronically or by mail, in accordance with internal and external guidelines. The position provides quality customer service to all parties as well as remain organized under a fluctuating, deadline driven workload.

Essential Duties:

• Issues timely and accurate disclosures and re-disclosures in accordance with Regulation Z (Truth in Lending), Regulation X (Real Estate Settlement Procedures Act), and Regulation B (Equal Credit Opportunity Act), among other federal and state Consumer Protection Laws and regulations
• Prepares all required initial mortgage disclosures and reviews accuracy of information on current TIL (LE) and RESPA requirements, verifying mortgage insurance, origination fees, transfer taxes, appraisal, credit report, insurance, escrow, title, etc.
• Issues accurate, transaction-specific disclosures to mortgage customers and monitors timeliness, ensuring initial disclosures are being sent in compliance with, but not limited to, Regulations B, Z, and X
• Prepares and delivers electronically or by mail, the required State and Federal disclosures once newly originated loans enter the Qualifications Milestone in Encompass
• Ensures an E-sign disclosure is received from the borrower prior to sending electronic disclosures
• Responsible for timeliness and preparation of re-disclosed documents and updating information due to changes of circumstances (COC), such as loan amount changes, re-locking loan due to interest rate changes, program changes, etc.
• Ensures overall company compliance with corporate policies and regulatory requirements as they relate to initial and re-disclosures, including the Loan Estimate and Closing Disclosure requirements, as dictated by the CFPB and/or state agencies, investors, FHA, VA, FNMA, etc.
• Maintains appropriate documentation and reports evidencing compliance with timing and accurate disclosure requirements
• Manages pipeline of new loan production, assigned loan files, documents, and changed circumstance events
• Provides assistance to loan staff on a daily basis, responding to transaction-specific questions regarding disclosures
• Maintains current knowledge and understanding of all new and updated regulations and investor guidelines
• Participates in Homeowners internal meetings and required trainings
• Maintains a professional image and demonstrates an understanding of and follows all Homeowners Policies and Procedures
• Other duties as assigned

Requirements

Qualifications:

• High School Diploma or equivalent required
• Minimum of 2 years of mortgage industry experience (Processing, Loan Setup, Disclosures, Loan Officer Assistant, etc.) preferred
• Proficient knowledge of RESPA regulations
• Related compliance knowledge preferred
• Knowledge of Encompass LOS preferred
• Proficient PC skills to include Excel, Word, and Microsoft Outlook
• Excellent written and verbal communication skills
• Strong customer service skills to internal and external customers
• Ability to develop positive relationships
• Exceptional organization and time management skills
• Ability to manage multiple tasks and deadlines in a fast-paced environment
• Must be able to implement written procedures
• Independent, self-starting, team player with a positive attitude

Working Conditions:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. This job may require handling objects up to 10 pounds frequently and 20 pounds occasionally. While performing the duties described herein, the employee is regularly required to sit; use hands and fingers to handle or feel in addition to talking and hearing. The employee is frequently required to stand and walk. The noise level in the work environment is usually moderate. Office environment is normally climate-controlled.

Homeowners Financial Group is an Equal Opportunity Employer. All employment is decided on the basis of qualifications, merit and business need.