Mortgage Disclosure Representative

Sunward Federal Credit Union • Albuquerque, NM

52d

About The Position

Job Scope: The Mortgage Disclosure representative plays a vital role in delivering an exceptional mortgage experience by ensuring timely and accurate initial disclosures, re-disclosures, and closing document preparation. This high-performing team member is accountable for maintaining compliance with all regulatory and investor requirements, driving operational efficiency, and supporting pipeline readiness from application to funding.

Requirements

• 2+ years of experience in mortgage operations, preferably disclosures or processing roles.
• High School Diploma or GED. Additional education, particularly in business or another relevant field, is preferred.
• Strong knowledge of TRID, RESPA, and investor disclosure requirements.
• Solid understanding of mortgage LOS systems (MortgageBot/Encompass preferred), eSign platforms, and e-disclosure platforms.
• Proficient in Microsoft Office, including Word, Excel, and Outlook, are required.
• Excellent attention to detail, time management, and multi-tasking skills in a fast-paced environment.
• Strong written and verbal communication skills with a proactive approach to problem-solving.
• Ability to identify trends or recurring errors and recommend practical process improvements.
• Strong collaboration skills, able to coordinate effectively with internal and external stakeholders to resolve complex issues.
• Capability to handle sensitive or complex disclosure tasks discreetly and responsibly, ensuring accuracy under pressure.

Responsibilities

• Prepare and deliver accurate and compliant initial disclosures, Loan Estimates (LEs), Change of Circumstance (COC) disclosures, and Closing Disclosures (CDs) within required timeframes and in accordance with TRID and investor guidelines.
• Monitor pipeline daily to identify loans requiring disclosures or re-disclosures based on file changes, rate locks, or borrower requests.
• Ensure proper documentation of disclosure activities, COC events and maintain full compliance with regulatory timelines and internal policy.
• Partner closely with loan originators, processors, and underwriters to gather required information and resolve discrepancies prior to issuing disclosures.
• Review fully executed disclosure packages for accuracy and completeness, ensuring conditions are cleared prior to funding.
• Coordinate with title companies, settlement agents, and internal stakeholders to balance Closing Disclosures.
• Maintain up-to-date knowledge of mortgage disclosure regulations while supporting process enhancements
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 101-250 employees