What are the responsibilities and job description for the Disclosure Specialist position at W3Global?
HYBRID - REMOTE
We are seeking an experienced Disclosure, Appraisal & Lock Specialist to join a fast-paced mortgage team. In this critical role, you will manage the timely and accurate preparation of loan disclosures, coordinate appraisals, and handle rate locks while ensuring full compliance with regulatory requirements. You will serve as a key collaborator across loan officers, processors, and closing teams to deliver a smooth borrower experience in a high-volume environment.
Key Duties And Responsibilities
We are seeking an experienced Disclosure, Appraisal & Lock Specialist to join a fast-paced mortgage team. In this critical role, you will manage the timely and accurate preparation of loan disclosures, coordinate appraisals, and handle rate locks while ensuring full compliance with regulatory requirements. You will serve as a key collaborator across loan officers, processors, and closing teams to deliver a smooth borrower experience in a high-volume environment.
Key Duties And Responsibilities
- Prepare, review, and issue initial Loan Estimates (LE), Change of Circumstance (CoC) redisclosures, and Closing Disclosures (CD) in strict accordance with TRID timelines and guidelines.
- Monitor and manage all disclosure-related timelines, including:
- 3-business-day LE delivery
- CoC redisclosure requirements
- Mandatory 3-business-day CD waiting period prior to closing
- Coordinate and order appraisals, review reports for completeness and compliance, and follow up with appraisers as needed.
- Process rate lock requests, extensions, and re-locks while ensuring pricing accuracy and timely communication.
- Work within Arive LOS and Doc Magic to generate, audit, and deliver disclosures and closing documents efficiently.
- Identify and resolve disclosure discrepancies, fee issues, or timing conflicts to prevent delays.
- Collaborate with loan officers, processors, underwriters, and closing teams to maintain workflow and resolve issues proactively.
- Maintain detailed records, provide status updates, and communicate clearly with internal teams and borrowers.
- Stay current on TRID, TILA-RESPA, and other mortgage regulations affecting disclosures, appraisals, and rate locks.
- 2-3 years of experience as a Disclosure Specialist, Closing Disclosure Specialist, or similar mortgage role
- Strong knowledge of TRID regulations, CoC rules, and CD timelines
- Experience with Arive LOS and Doc Magic (required)
- Familiarity with appraisal ordering and review processes
- Experience managing rate locks and extensions (preferred)
- Strong communication and teamwork skills
- Ability to work in a fast-paced, high-volume environment with high accuracy
- Excellent organizational and problem-solving skills
- Knowledge of mortgage regulations (TILA, RESPA, etc.)
- 401(k)
- Dental insurance
- Health insurance
- Vision insurance
Salary : $50,000 - $70,000