Mortgage Disclosure Specialist I

Company: Willamette Valley Bank
Location: Eugene
Posted on: May 3, 2021

Job Description:

Job DetailsJob LocationEugene HLC - Eugene, ORDescriptionAs a Mortgage Disclosure Specialist I, you review files in the loan origination system in order to create initial disclosures and verify information in the loan file is complete and accurate. Prepare initial documentation for all loans. The ideal candidate is highly organized and detail-oriented with strong analytical and problem-solving skills as well as the ability to manage multiple projects simultaneously. It is also important that you display excellent verbal and written communication and interpersonal skills and the ability to interact with customers and coworkers in a friendly and professional manner. We offer competitive pay and benefits. This position is located in Eugene, OR. Remote work may be available for the right candidate. QualificationsKey Responsibilities and Accountabilities:Entering file data correctly into EncompassEnsuring data integrity by reviewing loan data in Encompass, DU/LP, Loan Transmittal and 1003.Reviewing fees listed on itemization for accuracy and confirming a title/escrow fee sheet is in the file; obtaining verification of fees from title and escrow directions (if not provided by the Loan Originator). Check property address to validate appraisal fees are accurately quoted (complex property, condo, new construction, 1004D, MFH, etc)Ensuring that all required documentation is in each file in compliance with state and federal regulations.Review Change of Circumstance requests from processor for valid changes that comply with our rules and regulations. Reviewing file for any additional changes that need to be re-disclosedinput compliant verbiage to cover letter for borrower to sign with updated LE. Reviewing file data for valid disclosure of CD based on timeline of previous disclosures, comparing itemization data to invoices and binders uploaded to file, completing file contacts as necessary for required data, confirming MI data is accurate based on certificate uploaded by underwriter, reviewing conditions for debt payoff, cash to close limit and other conditions that affect data on CD prior to funding. Effectively communicate status and expectations to internal staff, loan originators, closing agents and notaries.Researching and resolving problems or complaints from internal and external customers.Providing feedback to management and suggesting policy changes and/or enhancements.Maintains a high level of customer service with quick response times and accurate information (both internally and externally).Performs other duties as assigned, including assisting other team members and management, as needed.Maintains a high degree of confidentiality in accordance with bank policies and procedures.Complies with and follows all applicable policies and procedures as well as governing laws and regulations. This includes but is not limited to performing all assigned duties under the WVBK compliance programs and related laws and regulations and successfully completing all mandatory compliance training as assigned in a timely manner.Knowledge, Skills and Abilities:Ability to be flexible, multi-task and organize priorities in a fast-paced work environment, while maintaining a high level of focus and accuracy.Effective verbal and written communications skillsKnowledge of mortgage industry practices and regulationsStrong analytical skills, combined with sound judgment and decision-making abilitiesHigh level of professionalism and ability to maintain confidentialityStrong customer service values and the ability to deliver a high level of responsiveness to both internal and external customersStrong PC skills (MS Office) required, must have experience with Mortgage origination systems, platforms tools and technology. High degree of attention to detail.Demonstrated organizational skills.Demonstrated teamwork and customer service skillsAbility to understand policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired. Demonstrated ability to calculate figures and amounts such as discounts, interest, commissions and Ability to accurately complete detailed financial forms and paperworkEducation and Experience:High School Diploma or equivalent1+ years of experience in customer service Mental and Physical Effort:Decision making normally involves the ability to apply rules, regulations, policies and procedures to the work. Guidance and direction may be available.Lifting equipment or files of 1-10 pounds on a regular basis, lifting equipment or boxes of 10-25 pounds on an occasion. Sits or stands for long periods of time working at a computer and typing. Uses hands to handle controls or feel objects, tools or controls. Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.Working Conditions:Works in an office environment or home office with minimal workplace hazards and low to moderate levels of noise. Works during the day and during the week. Some positions may require overtime and working evenings or weekends. Occasional travel to other work sites, conferences, training or meetings may be required.by Jobble

Keywords: Willamette Valley Bank, Eugene , Mortgage Disclosure Specialist I, Other , Eugene, Oregon