JOB SUMMARY:
The Quality Assurance Specialist I is responsible for the accurate, timely, and compliant preparation, issuance, and quality review of the initial mortgage disclosure package, including the Loan Estimate and all other required regulatory disclosures due within three business days of receipt of a new loan application. This role also manages Changes in Circumstance in accordance with TRID and applicable federal and state regulations. The position ensures adherence to TRID, RESPA, TILA, and other applicable regulations while supporting Seacoast Bank’s commitment to transparency, accuracy, and exceptional customer service throughout the mortgage lifecycle.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Prepare and issue the initial disclosure package including the Loan Estimates and other regulatory disclosures.
- Manage Changes in Circumstance and ensure timely, compliant re-disclosures.
- Confirm accuracy of fees, credits, and cash-to-close figures prior to disclosure issuance.
- Ensure compliance with TRID, RESPA, TILA, ECOA, HMDA, MDIA, BSA/AML, FACTA, and FCRA requirements.
- Maintain accurate disclosure records and audit trails within the Loan Origination System (LOS).
- Identify, document, and communicate compliance issues or trends to management and compliance partners.
- Support audits, regulatory exams, and process improvement initiatives.
- Adheres to Seacoast Bank’s code of conduct.
EDUCATION and/or EXPERIENCE:
- High School Diploma or equivalent required.
- Three to five years of mortgage operations experience, including disclosure preparation, closing, or quality assurance.
- Demonstrated knowledge of TRID and mortgage disclosure regulations.
- Experience with Loan Origination Systems and Microsoft Office Suite.
- Strong attention to detail and commitment to accuracy.
- Excellent written and verbal communication skills.
- Ability to manage multiple priorities and meet strict regulatory deadlines.
- Strong analytical, organizational, and problem-solving abilities.
- Ability to work independently and collaboratively in a fast-paced environment.
The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- High School Diploma or equivalent
- Three to five years mortgage operations experience including disclosure preparation, closing, or quality assurance
- Demonstrated knowledge of TRID and mortgage disclosure regulations
- Knowledge of TRID, RESPA, TILA, ECOA, HMDA, MDIA, BSA/AML, FACTA, and FCRA
- Experience with Loan Origination Systems
- Proficiency with Microsoft Office Suite
- Strong attention to detail and commitment to accuracy
- Excellent written and verbal communication skills
- Ability to manage multiple priorities and meet strict regulatory deadlines
- Strong analytical, organizational, and problem-solving abilities
- Ability to work independently and collaboratively in a fast-paced environment
Seacoast Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Seacoast Bank and has not been reviewed or approved by Seacoast Bank.
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Leave & Time Off Breadth — Paid holidays, vacation/PTO, and sick leave are part of the package, with bank holidays providing additional time off beyond standard PTO.
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Retirement Support — A 401(k) with company match and profit sharing are offered, alongside an active employee stock purchase plan that broadens long‑term wealth‑building options.
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Wellbeing & Lifestyle Benefits — Medical, dental, vision, wellness program, EAP, flexible spending accounts, tuition reimbursement, and banking‑service perks (e.g., free accounts and safe‑deposit box) round out total compensation beyond base pay.
Seacoast Bank Insights
What We Do
Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees. Seacoast provides integrated financial services including commercial and consumer banking, wealth management and mortgage services to customers at 85 full-service branches across Florida, and through advanced mobile and online banking solutions. Seacoast Bank is the wholly owned subsidiary bank of Seacoast Banking Corporation of Florida (NASDAQ: SBCF), one of the largest community banks headquartered in Florida and is Member FDIC/Equal Housing Lending. As of 2023, Seacoast Bank has just under 1,600 associates, $15 billion in assets and $12 billion in deposits. Our Vision: To be the trusted advisor of choice to the customers, businesses, and communities we serve. Our Four Promises: We believe that our greatest assets will always be our people — local bankers who are knowledgeable about the communities we serve and dedicated to an exceptional customer experience. For nearly a century, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises. We promise to: 1. Get you comfortable with the right products and the right team to serve you 2. Make your day-to-day banking simple 3. Resolve out-of-the-ordinary items responsively 4. Invest in you and your community Please note: This page is intended to be an informational place for our customers and employees to connect and interact. To ensure that visiting our LinkedIn page is a great experience for everyone, we have a several guidelines that we ask you to follow. The Seacoast Bank Social Media Terms Of Use can be viewed at https://www.seacoastbank.com/agreements-and-disclosures/social-terms.
