Disclosure Desk/Loan Set-up Specialist

SERVION INC•New Brighton, MN

2h•$23 - $29

About The Position

The Disclosure Desk Specialist supports both TPO and Retail mortgage channels by managing loan disclosures, ordering required services, and reviewing withdrawn or denied applications. The role works with loan officers, borrowers, and internal partners to ensure mortgage files are complete, compliant, and processed within regulatory timelines. The ideal candidate has mortgage operations, processing, disclosure, or servicing experience and can work in a fast-paced, deadline-driven environment with multiple stakeholders.

Requirements

Familiarity with Encompass software and other mortgage systems, processes, laws, regulations, guidelines, and principles.
Familiarity with mortgage lending processes, documentation, and compliance requirements.
Strong attention to detail and ability to identify inconsistencies and resolve issues efficiently.
Excellent organizational and time-management skills.
Ability to manage multiple priorities in a fast-paced, highly regulated environment.
Strong verbal and written communication skills.
Proficiency in Microsoft Office applications, including Word, Excel, and Outlook.
Ability to work independently with minimal supervision.
Sound judgment and decision-making skills, including the ability to escalate issues appropriately.
Professional demeanor and ability to collaborate effectively across departments.
At least one year of mortgage experience or administrative experience.
High School Diploma or GED.

Nice To Haves

Working knowledge of TRID regulations and disclosure requirements.
Experience using Encompass and other mortgage technology platforms.
Experience in mortgage operations, processing, disclosures, or servicing.
Knowledge of conventional and government loan programs.
Understanding of underwriting conditions and mortgage compliance standards.
Prior experience in a deadline-driven lending environment.

Responsibilities

Communicate with loan officers, borrowers, and business partners throughout the loan process.
Review residential loan applications for completeness, accuracy, and compliance with company and investor requirements.
Prepare and deliver initial disclosures in accordance with TRID regulations.
Monitor disclosure timelines in the Loan Origination System (LOS) to ensure disclosures are issued within regulatory timeframes.
Review and process re-disclosures related to valid changed circumstances.
Evaluate fee accuracy and completeness on disclosure requests submitted by production staff.
Order required third-party services, including title work, appraisals, FHA Case Numbers, Written Verifications of Employment (WVOE), and other services as required.
Review Automated Underwriting System (AUS) findings and conditions to ensure loans meet eligibility and underwriting guidelines.
Ensure all conditions required for closing are satisfied and properly documented.
Prepare Statements of Denial and review HMDA data for withdrawn or denied loans.
Maintain compliance with federal, state, agency, investor, and Credit Union mortgage lending requirements.
Perform additional duties and special projects as assigned.