Mortgage Disclosure Representative 1
F.N.B. Corporation, Greensboro, NC, United States
Primary Office Location: 626 Washington Place. Pittsburgh, Pennsylvania. 15219.
Position Title: Mortgage Disclosure Representative 1
Business Unit: Mortgage Administration
Reports to: Manager of Mortgage Disclosures
Position Overview The position is primarily responsible for issuing initial disclosure and redisclosure packages within compliance with government regulations and investor guidelines, under the direction of the Manager of Compliance and Quality Control. The incumbent works in partnership with the mortgage compliance procedures and documents any changes in procedures and details level job aids. The incumbent is responsible for reviewing all incoming loans for data integrity.
Primary Responsibilities
Reviews disclosure packages including loan estimate for correct fees and compliance to regulations prior to producing the package to the borrower through the system. Facilitates correction to borrower email addresses if incorrect.
Reviews fee information from settlement agents and other data sources to ensure the most accurate fees are disclosed, and ensures all fees disclosed are within regulatory tolerances.
Identifies and communicates any incorrect template structure for pre‑populated fields within the system to facilitate a more efficient process.
Investigates and communicates with processors, MLO, supervisors and underwriters to take corrective action to ensure compliance with TRID, QM, HOEPA, HPML and investor guidelines.
Stays current with constant changes in regulations and investor guidelines to ensure compliance; completes required training in a timely manner and performs job duties in an exceptional professional manner.
Performs other related duties and projects as assigned.
Minimum Level of Education Required High School or GED.
Minimum # of Years of Job Related Experience Required 1 year.
Skills Required
Excellent organizational, analytical and interpersonal skills.
Excellent communication skills, both written and verbal.
Detail‑oriented.
Ability to use general office equipment.
Ability to use a personal computer and job‑related software.
MS Word – Basic Level.
MS Excel – Basic Level.
MS PowerPoint – Basic Level.
Licensures/Certifications Required N/A
Physical Requirements Or Work Conditions Beyond Traditional Office Work N/A
Equal Employment Opportunity (EEO) It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
FNB will not provide sponsorship for employment‑based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.
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Position Title: Mortgage Disclosure Representative 1
Business Unit: Mortgage Administration
Reports to: Manager of Mortgage Disclosures
Position Overview The position is primarily responsible for issuing initial disclosure and redisclosure packages within compliance with government regulations and investor guidelines, under the direction of the Manager of Compliance and Quality Control. The incumbent works in partnership with the mortgage compliance procedures and documents any changes in procedures and details level job aids. The incumbent is responsible for reviewing all incoming loans for data integrity.
Primary Responsibilities
Reviews disclosure packages including loan estimate for correct fees and compliance to regulations prior to producing the package to the borrower through the system. Facilitates correction to borrower email addresses if incorrect.
Reviews fee information from settlement agents and other data sources to ensure the most accurate fees are disclosed, and ensures all fees disclosed are within regulatory tolerances.
Identifies and communicates any incorrect template structure for pre‑populated fields within the system to facilitate a more efficient process.
Investigates and communicates with processors, MLO, supervisors and underwriters to take corrective action to ensure compliance with TRID, QM, HOEPA, HPML and investor guidelines.
Stays current with constant changes in regulations and investor guidelines to ensure compliance; completes required training in a timely manner and performs job duties in an exceptional professional manner.
Performs other related duties and projects as assigned.
Minimum Level of Education Required High School or GED.
Minimum # of Years of Job Related Experience Required 1 year.
Skills Required
Excellent organizational, analytical and interpersonal skills.
Excellent communication skills, both written and verbal.
Detail‑oriented.
Ability to use general office equipment.
Ability to use a personal computer and job‑related software.
MS Word – Basic Level.
MS Excel – Basic Level.
MS PowerPoint – Basic Level.
Licensures/Certifications Required N/A
Physical Requirements Or Work Conditions Beyond Traditional Office Work N/A
Equal Employment Opportunity (EEO) It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
FNB will not provide sponsorship for employment‑based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.
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