Disclosure Specialist I

HomeTrust Bank•Asheville, NC

25d

About The Position

This position is responsible for processing initial rate locks, processing initial disclosures for Home Equity Lines of Credit, and monitoring pipelines to make changes to locks which affect pricing. This position processes key disclosure documents, prepares documents accurately and delivers them to the customer in the allotted timeframe.

Requirements

High school diploma or equivalent
1+ years of experience in a bank or real estate environment.
Knowledge of real estate or real estate transactions, compliance guidelines, and bank deposit services.
Thorough knowledge of loan processing functions and related requirements and procedures.
Familiarity with all federal and state banking regulations, including the Bank Secrecy Act and the USA Patriot Act.
Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including but not limited to the TILA-Respa Integrated Disclosure (TRID) and fair lending laws.
Proficient math and organizational skills.
Good human relations skills in dealing with attorneys, title companies, and other business professionals.
Must be able to prepare documents accurately and timely with sensitivity to meeting branch customer needs.
Ability to understand and use bank policies and procedures to ensure operational efficiency and regulatory compliance.
Ability to multi-task, prioritize duties, meet designated deadlines, and adapt to changes in the work environment.
Ability to handle confidential information in a professional manner.
Ability to communicate in a positive and effective manner in one-on-one and small group meetings, as well in written form.
Must be bondable.
Focus/desire to serve customer needs and provide excellent customer service.
Proficient in Microsoft Office products.

Nice To Haves

Knowledge of legal terminology.

Responsibilities

Manage pipeline to ensure Home Equity Lines of Credit are disclosed as they import onto the pipline.
Manage pipeline and ensure loans are locked as they are requested to avoid pricing changes which effect profitability.
Manage pipeline for requested changes which impact pricing and provide updated disclosures to customers within regulatory timeframes.
Understand regulatory guidelines for disclosing and redisclosing changes to ensure compliance and to protect Bank profitability.
Communicate with lending personnel to verify discrepancies in loan files prior to locking the rate.
Retrieves\ information from files to answer internal and external questions regarding locks and disclosures.
Crosstrain in other areas of the department.
Maintain confidentiality and security of sensitive information.
Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
Complete all mandatory annual compliance training.
Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIIP), and OFAC to assist in the identifications, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
Perform other duties and special projects as assigned.