Disclosure Specialist at AmeriHome Mortgage Company, LLC

Dallas, Texas, United States -

Full Time

Start Date

Immediate

Expiry Date

07 Feb, 26

Salary

0.0

Posted On

09 Nov, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Loan Disclosures, Regulatory Compliance, ECOA, HMDA, Auditing, Communication Skills, Residential Mortgage Lending, TRID, Encompass, Change of Circumstance, Risk Management, Workflow Monitoring, Post Consummation Closing Disclosure, Adverse Action Loans, Accuracy, Completeness

Industry

Financial Services

Description

Job Title: Disclosure Specialist Location: TX - Dallas/Irving What you'll do: As a Disclosure Specialist you'll manage loan disclosures, track deadlines and audit files for accuracy to ensure compliance with regulations. You'll ensure all loan disclosures are accurate, complete and provided with the required timeframe which adheres to regulations like Equal Credit Opportunity Act (ECOA) and Home Mortgage Disclosure Act (HMDA). Audit loan files for completeness and accuracy, reviewing for potential errors or discrepancies that could lead to re-disclosures. Prepare and deliver various loan disclosures, including the Loan Estimate (LE) and Closing Disclosure (CD), ensuring all fees and pricing are accurate. Track disclosures that need to be sent, monitor workflow pipelines, and ensure that all requirements are being met. Monitor Change of Circumstance requests and ensure re-disclosures and COC notices are in compliance and issued within required timeframes. Maintain efficient levels of service and comply with regulatory timelines associated with the completion and dissemination of loan disclosures. Prepare Post Consummation Closing Disclosure (PCCD), ensure all fees are accurate and that all fee variances are cured. Process adverse action loans and audit them for ECOA and HMDA compliance. Request and forward refund checks to borrower with PCCD. Identify potential risk areas and implement strategies to mitigate them and maintain compliance. What you'll need: 1+ years of related experience in Residential Mortgage Lending or similar field. High school diploma required. Entry level knowledge of residential mortgage industry in Correspondent or Retail Lending including; sales, operations, capital markets and/or other residential mortgage products and services. Entry level knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. Entry level knowledge of TILA-RESPA Integrated Disclosures (TRID) Loan Estimates/Closing Disclosure Requirements. Entry level experience with Encompass. Intermediate speaking and writing communication skills. Benefits you’ll love: We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. © Western Alliance Bancorporation About AmeriHome Mortgage AmeriHome Mortgage, a Western Alliance Bank company, is a leading national business-to-business mortgage acquirer and servicer. In 2020, AmeriHome ranked as the nation’s third-largest correspondent mortgage provider, primarily purchasing mortgage loans from a network of independent mortgage originators. Overall, the company is the 13th largest producer of mortgages in the U.S. The organization has created a flexible and scalable platform with a modern purpose-built infrastructure, advanced data and analytics capabilities, all leveraging deep industry expertise and a highly efficient cost structure to target profitability in all market environments. AmeriHome has a track record of consistent, prudent and profitable growth. With more than 1,000 employees, AmeriHome is a premier mortgage company, a multi-channel – mortgage investor, direct-to-consumer lender and servicer, licensed in 49 states, and headquartered in Thousand Oaks, California with offices in Irvine, CA, and Dallas, TX. Focused on delivering excellence in lending, our motivation for success is represented throughout the company and thrives from the trust built between all employees. AmeriHome is always looking for top talent to join our growing, fast-paced, and friendly teams. Terms & Notices Personnel Disclosure FDIC Insurance

Responsibilities

As a Disclosure Specialist, you'll manage loan disclosures, track deadlines, and audit files for accuracy to ensure compliance with regulations. You'll prepare and deliver various loan disclosures, ensuring all fees and pricing are accurate and that all requirements are met.