Disclosure Specialist I
HomeTrust Bank, Asheville, NC, United States
Disclosure Specialist I
This position is responsible for processing initial rate locks, processing initial disclosures for Home Equity Lines of Credit, and monitoring pipelines to make changes to locks which affect pricing. This position processes key disclosure documents, prepares documents accurately and delivers them to the customer in the allotted timeframe. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Manage pipeline to ensure Home Equity Lines of Credit are disclosed as they import onto the pipline. Manage pipeline and ensure loans are locked as they are requested to avoid pricing changes which effect profitability. Manage pipeline for requested changes which impact pricing and provide updated disclosures to customers within regulatory timeframes. Understand regulatory guidelines for disclosing and redisclosing changes to ensure compliance and to protect Bank profitability. Communicate with lending personnel to verify discrepancies in loan files prior to locking the rate. Retrieves information from files to answer internal and external questions regarding locks and disclosures. Crosstrain in other areas of the department. Maintain confidentiality and security of sensitive information. Adhere to all corporate policies and procedures, Federal and State regulations, and laws. Complete all mandatory annual compliance training. Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIIP), and OFAC to assist in the identifications, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws. Perform other duties and special projects as assigned. Education: High school diploma or equivalent Required: 1+ years of experience in a bank or real estate environment. Knowledge of real estate or real estate transactions, compliance guidelines, and bank deposit services. Thorough knowledge of loan processing functions and related requirements and procedures. Familiarity with all federal and state banking regulations, including the Bank Secrecy Act and the USA Patriot Act. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including but not limited to the TILA-Respa Integrated Disclosure (TRID) and fair lending laws. Proficient math and organizational skills. Good human relations skills in dealing with attorneys, title companies, and other business professionals. Must be able to prepare documents accurately and timely with sensitivity to meeting branch customer needs. Ability to understand and use bank policies and procedures to ensure operational efficiency and regulatory compliance. Ability to multi-task, prioritize duties, meet designated deadlines, and adapt to changes in the work environment. Ability to handle confidential information in a professional manner. Ability to communicate in a positive and effective manner in one-on-one and small group meetings, as well in written form. Must be bondable. Focus/desire to serve customer needs and provide excellent customer service. Proficient in Microsoft Office products. Preferred: Knowledge of legal terminology. HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization. The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees. This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines. Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required. The employee will frequently communicate and must be able to exchange accurate information with others. The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools. HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.
This position is responsible for processing initial rate locks, processing initial disclosures for Home Equity Lines of Credit, and monitoring pipelines to make changes to locks which affect pricing. This position processes key disclosure documents, prepares documents accurately and delivers them to the customer in the allotted timeframe. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Manage pipeline to ensure Home Equity Lines of Credit are disclosed as they import onto the pipline. Manage pipeline and ensure loans are locked as they are requested to avoid pricing changes which effect profitability. Manage pipeline for requested changes which impact pricing and provide updated disclosures to customers within regulatory timeframes. Understand regulatory guidelines for disclosing and redisclosing changes to ensure compliance and to protect Bank profitability. Communicate with lending personnel to verify discrepancies in loan files prior to locking the rate. Retrieves information from files to answer internal and external questions regarding locks and disclosures. Crosstrain in other areas of the department. Maintain confidentiality and security of sensitive information. Adhere to all corporate policies and procedures, Federal and State regulations, and laws. Complete all mandatory annual compliance training. Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIIP), and OFAC to assist in the identifications, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws. Perform other duties and special projects as assigned. Education: High school diploma or equivalent Required: 1+ years of experience in a bank or real estate environment. Knowledge of real estate or real estate transactions, compliance guidelines, and bank deposit services. Thorough knowledge of loan processing functions and related requirements and procedures. Familiarity with all federal and state banking regulations, including the Bank Secrecy Act and the USA Patriot Act. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including but not limited to the TILA-Respa Integrated Disclosure (TRID) and fair lending laws. Proficient math and organizational skills. Good human relations skills in dealing with attorneys, title companies, and other business professionals. Must be able to prepare documents accurately and timely with sensitivity to meeting branch customer needs. Ability to understand and use bank policies and procedures to ensure operational efficiency and regulatory compliance. Ability to multi-task, prioritize duties, meet designated deadlines, and adapt to changes in the work environment. Ability to handle confidential information in a professional manner. Ability to communicate in a positive and effective manner in one-on-one and small group meetings, as well in written form. Must be bondable. Focus/desire to serve customer needs and provide excellent customer service. Proficient in Microsoft Office products. Preferred: Knowledge of legal terminology. HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization. The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees. This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines. Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required. The employee will frequently communicate and must be able to exchange accurate information with others. The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools. HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.