Disclosure Desk

Luminate Bank•Minneapolis, MN

1d•$24 - $26

About The Position

Luminate Bank is redefining what modern banking can be. In just five years under its current leadership, the company has grown from a $62 million community bank into a $500 million financial institution, the fastest-growing state-chartered bank, while building one of the fastest-growing mortgage platforms in the country. The momentum has been extraordinary: Grew bank assets from $62 million to $500 million in five years- the fastest-growing state-chartered bank Ranked a 2026 Top Workplace in Minnesota by the Star Tribune and #1 among large companies in Colorado Top Workplaces 2026 Named a 2026 Top Workplaces Culture Excellence winner in eight categories and a Top Workplace nationally in Financial Services Surpassed $4 billion in mortgage originations in 2025 Ranked among the Top 30 Mortgage Lenders nationally by Scotsman Guide Maintain a 4.9-star average rating across 45,000+ customer reviews Recognized by Freddie Mac with two 2026 Home Possible RISE Awards® for Greatest Volume and Fastest Growth Honored by the Minnesota Mortgage Association as 2025 Leaders of the Year But the story is bigger than growth metrics and awards. Luminate Bank is building a culture designed for ambitious, high-performing people who want to shape the future of banking. We move quickly, think boldly, and invest deeply in our people. Innovation, accountability, collaboration, and customer experience are at the center of everything we do. What began as a rapidly growing lending and banking platform is now entering its next phase: building a nationally recognized financial brand that redefines how modern banking is experienced. For leaders who want the opportunity to build, scale, and leave a lasting impact, this is a rare moment to join a company with startup energy, national momentum, and a long runway ahead. Position Overview: The Mortgage Disclosure Desk Specialist will support daily operations to ensure disclosure packages are completed accurately and are provided to consumers in a timely manner. This role is a central part of the loan process to ensure compliance with TRID and additional federal, state and local disclosure regulations. The ideal candidate will possess experience with residential mortgage application disclosures and a strong understanding of requirements for redisclosure. This role maintains effective communication with members, business partners, and team mates to uphold Luminate Home Loans commitment to quality customer service.

Requirements

High School diploma or equivalent. Bachelor’s in business or related field preferred.
Strong research, problem solving, communication, organization and interpersonal skills
Strong attention to detail, self-drive and analytical skills
High degree of professional ethics and integrity
Knowledge of TRID and other applicable lending laws to efficiently and accurately answer any questions
Desire to help your peers, your team and department achieve exceptional results
Ability to multi-task in a fast paced, highly demanding environment.
Ability to adapt or change approach or method to best fit the situation in a fast-evolving environment with multiple clients.

Nice To Haves

2+ years of disclosure desk or equivalent mortgage experience
General knowledge of federal and state laws impacting mortgage origination, including but not limited to: Dodd-Frank and CFPB oversight environment, RESPA, TILA, ECOA, SAFE, HMDA, Fair Housing Act, Fair Lending, State or Federal High Cost, FCRA/FACTA, Privacy of Consumer Financial Information, UDAAP, and REG Z/TRID
Knowledge/Proficiency in LOS (Ellie Mae Encompass) preferred

Responsibilities

Prepare and review disclosure packages including the Loan Estimate
Review disclosure related data entered in the Loan Origination System (“LOS”) for accuracy
Ensure proper loan set-up within the LOS and loan structure is accurate according to loan program and type
Review files submitted for re-disclosure in adherence to regulatory compliance requirements and internal company policies and procedures
Determine if a bona fide changed circumstance occurred by working with the originators, processing, underwriting and closing departments to determine the cause and timing of the changed circumstance
Monitor Disclosure Desk work queue and e-mail in-box to support all team members within prescribed service level agreement timeframes
Run automated compliance testing and escalate negative results to the Compliance Department
Assist with reviewing policies and procedures and LOS functionality and making necessary modifications
Responsibly maintain the confidentiality and privacy of loan applicant information
Additional responsibilities as assigned