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Disclosure Specialist-Opportunity-Livermore, CA

Company: Ascent
Location: Livermore
Posted on: November 11, 2019

Job Description:

Disclosure SpecialistLivermore, CA4+ Month Contract (possible contract to hire)?The Disclosure Specialist will review for completeness and prepare disclosures accordingly. This process involves verifying the accuracy of loan related fees, reviewing loan terms and ensuring that all applicable disclosures are properly prepared and provided to the borrower(s) within a specified time-frame. If re-disclosure is necessary, the Disclosure Specialist will validate the reason, review for accuracy and approve changes to fees resulting only from a valid change in circumstance as defined by RESPA.Role and Responsibilities

  • Review all applicable loan documentation for completeness related to the preparation of Initial Disclosures.
  • Prepare Initial Disclosures for specific loan type/program
  • Ensure accuracy and compliance with regulatory requirements.
  • Responsible for accuracy and timely delivery of all disclosures (initial and changed circumstance).
  • Validate fees disclosed on Loan Estimate and Closing Disclosure and/or Fees Worksheet.
  • Acts as liaison between the processing team and Mortgage Loan Originators as required.
  • Handles all re-disclosures as they arise and are brought to the Disclosure Specialist's attention by Consultant, Processor, and Rate Lock Specialist
  • Validates if a change of circumstance exists and requires re-disclosure
  • Process and send updated disclosures to the member within 24 hours of request being received
  • Ensures exceptional service by maintaining thorough knowledge of RESPA policies, procedures and regulatory requirements and demonstrating a commitment to professional ethics. Remains current on all mortgage related regulations and changes
  • Ensures compliance with all Bank policies and procedures and compliance with all applicable federal, state and local laws, regulations and ordinances
  • Associate will monitor SharePoint Disclosure site on an hourly basis and review new submissions and document date of change, trigger for change, and if applicable, insert new Fee Respond to Audit findings as needed Review loan documentation to ensure TRID\ disclosure triggers are enabled and expedite loan files through the process ensuring compliance
  • Maintain consistent communication with Compliance, Process Improvement Team, Unit Managers and Residential Lending Technology team Minimum Qualifications
    • Bachelor's Degree or equivalent work experience
    • 2 years of progressively responsible related work experience, including a minimum of one year experience in processing, underwriting and closing, or any combination of experience and education
    • Working knowledge of the entire loan workflow (origination, processing, underwriting, closing, funding)
    • Have a solid working knowledge of new CFPB TRID Regulatory guidelines, loan disclosures along with fee tolerances, mailbox rules and electronic delivery of loan disclosures
    • Ability to work in a team environment, presenting a professional image and commanding respect of staff, peers, and senior management
    • Excellent interpersonal and communication (verbal / written) skills
    • Strong analytical skills and ability to understand complex fee tolerance changes
    • Have a solid working knowledge of RESPA Reform (2010) and CFPB ATR/QM (2014) guidelines
    • Maintain an in-depth knowledge of the Bank's mortgage products including but not limited to 'no closing cost' loans, loans with points & fees, and Smart Rate loans
    • Understand counter-offer process and triggers on a product change.
    • Experience using Microsoft Office (Excel, Word, PowerPoint, etc.) and SharePoint

      Company Description:

      About Ascent:Ascent is a leading national technology consulting and professional services firm that focuses on tactical and strategic consulting. Ascent---s fundamental business is providing staffing services to Large Enterprise clients in our core market verticals: Financial Services, Healthcare, and Life Sciences. We focus the majority of our efforts in Staff Augmentation support of Large Enterprise Clients who utilize a Vendor Management System. Ascent works as both a reliable supplier in support of programs, as well as a Strategic Advisor in support of enterprise efforts to establish best in class preferred vendor programs. Ascent was ranked in the 2007 and 2008 Inc. 500 and recognized specifically for its innovative work in staff augmentation support of Large Enterprise preferred vendor accounts.If you are ready to propel your career to new heights--- read on. We are looking for talented and dedicated colleagues to join our phenomenal team. At Ascent, we have created an environment where culture, commitment and opportunity converge to yield a truly unique place to work. We know that every employee has something important to say and that every employee is integral to our success. Where else can you walk over to a founder and talk about your ideas to help build our business and have that idea implemented in 48 hours? More importantly, we do everything we can to make sure our employees not only have great jobs, but great lives.

Keywords: Ascent, San Francisco , Disclosure Specialist-Opportunity-Livermore, CA, Other , Livermore, California

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