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Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Identify all parties associated with each mortgage transaction and review all exclusionary lists for all parties identified and escalate any findings for names reflected on those lists, to determine if clearance may be provided for the loan to close, as per regulatory and investor requirements.

Review all mortgage loan applications to ensure accurate data and fees are reflected in the appropriate fee categories on all Loan Estimates disclosed to the Borrower based on the most recent information received and ensure all other loan disclosures required for the mortgage loan product selected are disclosed in accordance with the Truist Loan Program Guidelines and Policy & Procedure Manuals. Ensure all loans conform to TRID and other regulatory and investor requirements, as required by Bank policy and investor standards. Detail oriented and strong communication skills. Able to work in team environment and independently; self-motivated and deadline oriented requiring little supervision. Good analytical and reasoning skills, excellent time management skills and ability to work under pressure and meet deadlines. Must be willing to work overtime as needed. Saturday work schedule will be required.

ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. Analyst will be disclosing loan for borrowers looking to purchase or refinance a home. They must ensure loans are disclosed within TRID guidelines and ensure the correct fees are disclosed on all loans.
• Provide consistent and thorough compliance support to the mortgage lending staff by ensuring all regulatory requirements of the TILA/RESPA Integrated Disclosure (TRID) rule are met.
• Understand how to prevent cures at closing in order to minimize overall cost to cure and compliance errors for the bank.
• Verify all disclosures and fees and ensuring that all prospective loans conform to federal and state loan guidelines.
• Review of initial loan applications, and initial 3 day disclosures in Empower Loan origination systems.
• Prepare, generate, and deliver accurate initial mortgage loan disclosures within TRID guidelines with a primary focus on conventional loan products.
• Manage requests to disclose updated fees for change in circumstance.
• Act as the primary contact for all mortgage disclosure activities
• Assist with mortgage disclosure activities
• Research and maintain a working knowledge of TRID as well as product guidelines
• Expert level reviews of change in circumstance and good faith fee variances alerts

Qualifications:
• High School or equivalent.
• Mortgage Background (1+ years combined experience in customer service, financial services, real estate, accounting, or finance-related fields.)
• Effective Verbal, written and interpersonal communication skills.
• Working knowledge of federal lending regulations, CFPB, and TRID requirements for Mortgage disclosures, & Analytical.

Special Instructions
Schedule - M-F 8AM-5PM - Will need to be available for Saturday rotation, with a flex day given during the week to keep hours at 40. May be OT available during busy season.

Truist supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace.

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