Job Details

Join ResiCentral and help ensure smooth, compliant mortgage closings! As a Closing Disclosure Specialist, you'll prepare and review Closing Disclosures, coordinate closings, and verify accuracy across all documents. This role is key to meeting agency guidelines and delivering an exceptional borrower experience.

If you're detail-oriented, thrive in a fast-paced environment, and have strong communication skills, we'd love to hear from you! Apply now!

Job Summary

The Closing Disclosure Specialist will prepare and review closing disclosures for mortgage loans working in both retail and wholesale channels. The CD Specialist is to coordinate the closing process by confirming that all documents are correct, within compliance, and meet agency guidelines.

This position will also be responsible for performing a multitude of tasks such as preparing closing documents, being a point of contact, coordinating closings, and ensuring loans are compliant.

Duties/Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Issue the Initial and Revised Closing Disclosure in accordance with RESPA and TILA requirements; address any tolerance cures.
• Validate the loan meets underwriting guidelines for cash to close and cash back to borrower.
• Verify required information within the loan file such as spelling of borrower(s) names, property address, lock expiration, flood cert.
• Review of tax bill and property insurance to ensure escrow account is setup in accordance with federal guidelines.
• Review preliminary title commitment to ensure vesting and parcel number is accurate.
• Verify mortgage insurance certificate information is current and matching loan details.
• Know TRID rules and regulations to ensure fees are properly disclosed to borrowers.
• Review compliance report and validate passing in all categories or troubleshoot as needed.

Required Skills/Abilities

• Self-motivated to hit and exceed goals
• Attention to detail
• Thrive in a fast-paced environment
• Strong work ethic
• Strong written/verbal communication skills
• Provide exemplary service in all client interactions and communications; always uphold the ResiCentral service standards and exercise good judgment

Physical Requirements

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at a time.

Travel Required

• Minimal

Education and Experience

• Prior industry/role experience strong preferred but not required.
• College degree preferred. High school diploma or GED is required.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Work Location & Schedule Options:

Land O' Lakes Headquarters:
Monday-Friday, 8:00 AM - 5:00 PM EST. This is a hybrid role, requiring you to work in the Land O' Lakes office two days per week and remotely on the remaining days.

West Coast Option:
Monday-Friday, 8:00 AM - 5:00 PM PST. This option is fully remote and available for West Coast-based candidates.