Mortgage Compliance Specialist

Primary Residential Mortgage•Salt Lake City, UT

155d•Onsite

About The Position

The Mortgage Compliance Specialist will monitor live loan files to ensure timely and accurate issuance of third-day disclosures, locked Loan Estimates (LE), and Closing Disclosures (CD). This role ensures compliance with TRID requirements, including waiting periods, fee tolerances, redisclosure guidelines, and Change of Circumstance rules. The specialist will provide guidance on fee structures, disclosure requirements, and compliance-related questions to internal teams, and develop and maintain closing cost templates for consistency and regulatory accuracy across branches. Additionally, the role involves responding to compliance inquiries, assisting the Operations Compliance team with audits and reviews, and identifying and resolving disclosure discrepancies.

Requirements

Previous mortgage experience with knowledge of REPSA-TILA Integrated Disclosure Rules
Strong communication, analytical, and problem solving skills
Excellent writing and editing skills
Ability to effectively and professionally handle difficult situations that may arise when working with branches/divisions
Ability to multi-task
Knowledge of and proficiency in Microsoft Office applications

Nice To Haves

Knowledge of and proficiency in Encompass
Regulatory compliance experience
Strong research skills

Responsibilities

Monitor live loan files to ensure timely and accurate issuance of third-day disclosures, locked Loan Estimates (LE), and Closing Disclosures (CD).
Ensure compliance with TRID requirements, including waiting periods, fee tolerances, redisclosure guidelines, and Change of Circumstance rules.
Provide guidance on fee structures, disclosure requirements, and compliance-related questions to internal teams.
Develop and maintain closing cost templates to ensure consistency and regulatory accuracy across branches.
Respond to compliance inquiries via phone and email in a professional and timely manner.
Assist the Operations Compliance team with audits, reviews, and ongoing regulatory support initiatives.
Identify and resolve disclosure discrepancies in collaboration with cross-functional teams.

Benefits

Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.
Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.
Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.
Ensure every action and decision is aligned with PRMI values.
Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI.
Realize team synergies through networking and partnerships across PRMI.
Embrace change; act as advocate and role model, promoting an approach of continuous improvement.
Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions.
Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
Work effectively as a team contributor on all assignments.
Perform quality work within deadlines.
Respect client and employee privacy.