PCCD Reviewer

MSC SERVICES LLC • Colorado Springs, CO

4d • $18 - $20 • Onsite

About The Position

The PCCD Reviewer is a detail-oriented compliance professional responsible for the post-consummation audit of Closing Disclosures (CD). The primary focus is to ensure total financial alignment between the Loan Origination System (LOS), the Final Settlement Statement, and public land records. By identifying and correcting variances in recording fees, title charges, and disbursements, the Reviewer ensures the company maintains regulatory compliance and delivers accurate final documentation to the borrower within the mandatory 60-day post-close window.

Requirements

• Familiarity with TRID (TILA-RESPA Integrated Disclosure) rules regarding fee tolerances and "curing" violations and other related regulatory agency and investor requirements.
• Experience with Loan Origination Systems (e.g., Encompass, Byte, or Empower).
• Ability to spot a $1.00 discrepancy between a ledger and a disclosure
• Excellent analytical and decision-making skills.
• Ability to clearly communicate with a variety of stakeholders verbally and in writing.
• Strong time management and organizational abilities working independently or as a team.
• Ability to thrive in a fast paced and high producing environment.
• High school diploma or equivalent.

Nice To Haves

• 1+ years’ experience in a mortgage or lending related industry preferred.

Responsibilities

• Conduct comprehensive reviews of recorded documents and Final Settlement Statements to validate that all fees (specifically recording fees and transfer taxes) match the final CD.
• Ensure all corrected Closing Disclosures are generated, finalized, and mailed to borrowers within the 30 to 60-day TRID-mandated cure period to mitigate compliance risk.
• Update the Loan Origination System (LOS) with precise financial data to reflect the actual costs incurred at the time of recording and disbursement.
• Identify fee overages that exceed legal tolerances; calculate, request, and track the issuance of refund checks to borrowers in accordance with company policy.
• Partner with title companies and escrow officers to obtain missing Final Settlement Statements, disbursement dates, and ledger breakdowns.
• Proactively navigate county recorder websites or contact municipal offices to retrieve recorded deeds and mortgages when not provided by third parties.
• Represent the organization with a high level of integrity and enthusiasm when communicating with internal stakeholders and external partners.
• Investigate and resolve discrepancies in disbursement math, ensuring the "bottom line" on the settlement statement nets to zero.
• Regular, reliable and predictable onsite attendance is an essential function of this role.
• Other duties as assigned.

Benefits

• Mortgage Solutions of Colorado, LLC d/b/a Mortgage Solutions Financial (“MSF”) offers a comprehensive benefit package and PTO (paid time off) for eligible employees.
• The benefit package includes Health, Dental and Vision Insurance, options to participate in a Health Savings Account, Flexible Spending Account, Life and AD&D coverage, voluntary Short-Term, Long-Term Disability and Supplemental insurance.
• In addition, eligible employees have the option to participate in a company retirement plan.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED