Real Estate Lending Disclosure Desk Analyst

Description

Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits.

HOURS FOR POSITION: Monday - Friday 8:00am - 4:30pm,

Hiring Range- $ 32.6900 to $40.86

Summary of Position

The Real Estate Lending Disclosure Desk Analyst plays a critical role in the loan origination process by ensuring full compliance with TRID (TILA-RESPA Integrated Disclosure), Regulation Z (Reg Z), TILA, RESPA, and other applicable federal and state regulations. This position helps mitigate potential liabilities and reduces the risk of penalties, sanctions, or other legal actions.

The Disclosure Desk Analyst is responsible for preparing and reviewing initial and final loan disclosures, including the Loan Estimate (LE) and Closing Disclosure (CD), ensuring all loan information is accurate, complete, and delivered within required timeframes.

Additionally, the incumbent provides guidance to management on identified errors or discrepancies, recommends updates to policies and procedures, and responds to questions regarding disclosure processes. This role serves as a key resource for maintaining compliance and supporting a high-quality, efficient lending operation.

Principal Accountabilities and Functions

Prepares, reviews, and delivers initial (LE) and final (CD) loan disclosures in accordance with TRID, Reg Z, TILA, RESPA, and other applicable regulations.

Monitors new loan applications to ensure all disclosures are issued accurately and within TRID-required timeframes.

Ensures all disclosures are accurate, complete, and delivered within required timeframes to mitigate compliance risk.

Reviews loan documentation to confirm consistency and correctness of loan terms, fees, and closing costs.

Identifies, investigates, and resolves issues related to disclosures, fees, products, or loan terms, collaborating with internal teams to ensure accurate and compliant outcomes.

Recommends updates or revisions to policies, procedures, and disclosure templates to maintain compliance with evolving regulations.

Serves as a resource for internal teams, responding to questions regarding disclosure requirements, policies, and procedures.

Collaborates with loan officers, processors, underwriters, and closing teams to resolve disclosure-related issues.

Maintains knowledge of federal and state regulations, investor requirements, and internal procedures to ensure ongoing compliance.

Assists in audit preparation and respond to findings related to disclosures or compliance deficiencies.

Supports continuous process improvements to enhance efficiency and accuracy of the disclosure workflow.

Maintains in-depth knowledge of loan programs and guidelines.

Required Qualifications

AA degree in related field; Bachelor’s degree in finance, business, or a related field preferred.

Minimum 3-5 years of experience in mortgage lending, loan operations, or compliance, with strong familiarity with TRID, Reg Z, TILA, RESPA, and related regulations.

Minimum of 2 years experience in Loan Estimate and Closure Disclosure preparation and review.

Or equivalent combination of education and experience

Knowledge of first mortgage products, loan origination systems, and loan disclosure requirements.

Strong analytical, organizational, and problem-solving skills with a keen attention to detail.

Ability to manage multiple priorities, deadlines, and high-volume loan pipelines.

Possesses strong mathematical, analytical and problem-solving skills.

Excellent communication and collaboration skills for interacting with internal teams and management.

Knowledge, Skills and Abilities

Ability to interpret, understand and apply TFCU Real Estate Lending Guidelines and FNMA/FHLMC/FHA/Investor Guidelines.

Ability to show high level of accuracy and attention to detail.

Ability to learn and work in a fast-paced environment.

Ability to multi-task and prioritize work as required.

Ability to work and communicate effectively with TFCU members, real estate agents, title companies and other members of the Real Estate Lending and Servicing team.

Ability to work independently

Ability to identify/solve problems, to seek guidance when necessary, and to resolve them in an expeditious manner.

Demonstrated proficiency to include Word, Excel, Outlook, internet, e-mail and mortgage- loan origination software.

Ability to convey work process issues to other members of the Real Estate Lending department.

Ability to adapt to changes within internal, market or regulatory environments.

Ability to organize workflow, loan files and documents.

Ability to work within stringent time constraints and in a high-pressure environment.

Ability to receive constructive feedback from co-workers and management.

Ability to work in a team environment and demonstrate the ability to help others.

Ability to write operational reports, business correspondence and complete required loan origination forms.

Ability to identify emerging problems in the loan origination process and resolve them in an expeditious manner.

Ability to represent the credit union to members and third-party strategic partners.

Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC.

Working Conditions

Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate.

Ability to lift up to 15 lbs., with or without assistance, in compliance with ADA.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.