PCCD Reviewer

Position: Post Close Disclosure Reviewer (PCCD)

Department: Funding/Closing

Supervisor: Closing/Funding Director

Location: Corporate Office in Colorado Springs

Exempt: ☐     Non-exempt: ☒

Compensation & Benefits: $18.00 to $20.00 per hour

Mortgage Solutions of Colorado, LLC d/b/a Mortgage Solutions Financial (“MSF”) offers a comprehensive benefit package and PTO (paid time off) for eligible employees. The benefit package includes Health, Dental and Vision Insurance, options to participate in a Health Savings Account, Flexible Spending Account, Life and AD&D coverage, voluntary Short-Term, Long-Term Disability and Supplemental insurance. In addition, eligible employees have the option to participate in a company retirement plan.

About MSF

MSF is a national mortgage lender based in Colorado Springs. MSF strongly believes every client should be served with integrity, dignity, and respect. Without compromise, MSF is committed to providing loans that are in the best interest of our clients, not our bottom line. We will continue to educate the community by empowering our clients to make responsible and informed fiscal decisions that result in greater financial peace of mind.

Role Overview

The PCCD Reviewer is a detail-oriented compliance professional responsible for the post-consummation audit of Closing Disclosures (CD). The primary focus is to ensure total financial alignment between the Loan Origination System (LOS), the Final Settlement Statement, and public land records. By identifying and correcting variances in recording fees, title charges, and disbursements, the Reviewer ensures the company maintains regulatory compliance and delivers accurate final documentation to the borrower within the mandatory 60-day post-close window.

Essential Duties

• Conduct comprehensive reviews of recorded documents and Final Settlement Statements to validate that all fees (specifically recording fees and transfer taxes) match the final CD.
• Ensure all corrected Closing Disclosures are generated, finalized, and mailed to borrowers within the 30 to 60-day TRID-mandated cure period to mitigate compliance risk.
• Update the Loan Origination System (LOS) with precise financial data to reflect the actual costs incurred at the time of recording and disbursement.
• Identify fee overages that exceed legal tolerances; calculate, request, and track the issuance of refund checks to borrowers in accordance with company policy.
• Partner with title companies and escrow officers to obtain missing Final Settlement Statements, disbursement dates, and ledger breakdowns.
• Proactively navigate county recorder websites or contact municipal offices to retrieve recorded deeds and mortgages when not provided by third parties.
• Represent the organization with a high level of integrity and enthusiasm when communicating with internal stakeholders and external partners.
• Investigate and resolve discrepancies in disbursement math, ensuring the "bottom line" on the settlement statement nets to zero.
• Regular, reliable and predictable onsite attendance is an essential function of this role.
• Other duties as assigned.

Knowledge Skills & Abilities

Familiarity with TRID (TILA-RESPA Integrated Disclosure) rules regarding fee tolerances and "curing" violations and other related regulatory agency and investor requirements.

• Experience with Loan Origination Systems (e.g., Encompass, Byte, or Empower).
• Ability to spot a $1.00 discrepancy between a ledger and a disclosure
• Excellent analytical and decision-making skills.
• Ability to clearly communicate with a variety of stakeholders verbally and in writing.
• Strong time management and organizational abilities working independently or as a team.
• Ability to thrive in a fast paced and high producing environment.

Experience  & Education

• High school diploma or equivalent.
• 1 years’ experience in a mortgage or lending related industry preferred.

Physical Requirements

• Stationary position; prolonged periods at a desk and working on the computer.
• Occasional movement about inside the office to walk to offices and office machinery.
• Occasional lifting to 10 pounds, stooping, bending, standing, reaching.

MSF is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status.  MSF is also committed to providing qualified applicants and employees reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or employee requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

Salary : $18 - $20