Closing Disclosure Agent

Key Responsibilities

• Prepare and Review Closing Disclosures (CDs): Accurately generate and audit closing disclosures, ensuring all loan terms, fees, and closing costs are correct and compliant with TRID and lender guidelines.
• Clock with Settlement Agents and Title Companies: Work closely with external partners to reconcile fees, confirm wire instructions, and finalize the CD for borrower delivery and closing.
• Ensure Timely Delivery of Disclosures: Monitor critical timelines to ensure the closing disclosure is delivered to the borrower within regulatory deadlines (typically at least 3 business days prior to closing).
• Resolve Discrepancies and Last-Minute Changes: Identify and correct errors in fees, taxes, insurance, or escrow items, and issue revised disclosures as needed in compliance with applicable rules.

Basic Qualifications

• Proven experience with problem-solving skills and attention to detail
• Strong communication and interpersonal skills
• Ability to work independently and as part of a team
• Proficiency in Windows and Encompass (Encompass preferred but not required)

Specific Qualifications

• Willingness to Learn TRID and Closing Regulations: We will train you on the TILA-RESPA Integrated Disclosure (TRID) rules, including required timelines and formatting standards for the Closing Disclosure (CD).
• Interest in Learning Closing Disclosure Preparation: You'll receive hands-on training to accurately prepare, review, and reconcile Closing Disclosures and final settlement statements in compliance with regulatory and lender guidelines.
• Ability to Learn Loan Software Systems: We'll provide instruction on how to use loan origination and document preparation systems such as Encompass or similar platforms-no prior software experience necessary.
• Strong Attention to Detail and Willingness to Learn: We're looking for individuals who enjoy solving problems and are eager to learn how to identify and resolve discrepancies in loan files to ensure accuracy and compliance.
• Team Player with Good Communication Skills: Training will include how to coordinate with title companies, escrow agents, and internal team members to ensure closing documents are delivered accurately and on time.

Benefits

• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance