Centralized Services Analyst (CDT)

Truist•Greensboro, NC

3d•Onsite

About The Position

The Centralized Services Analyst (CDT) position involves reviewing mortgage loan applications to ensure accurate data and fees are reflected correctly on all Loan Estimates disclosed to the Borrower. This role requires adherence to Truist Loan Program Guidelines and Policy & Procedure Manuals, ensuring compliance with TRID and other regulatory and investor requirements. The analyst will be disclosing loans for borrowers purchasing or refinancing homes, managing updated fee requests, and serving as the primary contact for mortgage disclosure activities. This position requires strong attention to detail, excellent communication, analytical, and time management skills, with the ability to work both independently and as part of a team under pressure to meet deadlines. Overtime and Saturday work may be required.

Requirements

High School or equivalent.
Mortgage Background (1+ years combined experience in customer service, financial services, real estate, accounting, or finance-related fields.)
Effective Verbal, written and interpersonal communication skills.
Working knowledge of federal lending regulations, CFPB, and TRID requirements for Mortgage disclosures, & Analytical.
Detail oriented and strong communication skills.
Able to work in team environment and independently, self-motivated and deadline oriented requiring little supervision.
Good analytical and reasoning skills, excellent time management skills and ability to work under pressure and meet deadlines.

Nice To Haves

Bachelor’s Degree not required

Responsibilities

Review all mortgage loan applications to ensure accurate data and fees are reflected in the appropriate fee categories on all Loan Estimates disclosed to the Borrower based on the most recent information received.
Ensure all other loan disclosures required for the mortgage loan product selected are disclosed in accordance with the Truist Loan Program Guidelines and Policy & Procedure Manuals.
Ensure all loans conform to TRID and other regulatory and investor requirements, as required by Bank policy and investor standards.
Provide consistent and thorough compliance support to the mortgage lending staff by ensuring all regulatory requirements of the TILA/RESPA Integrated Disclosure (TRID) rule are met.
Understand how to prevent cures at closing in order to minimize overall cost to cure and compliance errors for the bank.
Verify all disclosures and fees and ensuring that all prospective loans conform to federal and state loan guidelines.
Review of initial loan applications, and initial 3-day disclosures in Empower Loan origination systems.
Prepare, generate, and deliver accurate initial mortgage loan disclosures within TRID guidelines with a primary focus on conventional loan products.
Manage requests to disclose updated fees for change in circumstance.
Act as the primary contact for all mortgage disclosure activities.
Assist with mortgage disclosure activities.
Research and maintain a working knowledge of TRID as well as product guidelines.
Expert level reviews of change in circumstance and good faith fee variances alerts.