Centralized Disclosure Team Analyst

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Regular or Temporary:
Regular

Language Fluency:
English (Required)

Work Shift:

1st shift (United States of America)

Review all mortgage loan applications to ensure accurate data and fees are reflected in the appropriate fee categories on all Loan Estimates disclosed to the Borrower based on the most recent information received and ensure all other loan disclosures required for the mortgage loan product selected are disclosed in accordance with the Truist Loan Program Guidelines and Policy & Procedure Manuals.

Ensure all loans conform to TRID and other regulatory and investor requirements, as required by Bank policy and investor standards. Detail oriented and strong communication skills. Able to work in team environment and independently, self‑motivated and deadline‑oriented requiring little supervision. Good analytical and reasoning skills, excellent time management skills and ability to work under pressure and meet deadlines. Must be willing to work overtime as needed.

Saturday work schedule will be required.

• Provide consistent and thorough compliance support to the mortgage lending staff by ensuring all regulatory requirements of the TILA/RESPA Integrated Disclosure (TRID) rule are met.
• Understand how to prevent cures at closing in order to minimize overall cost to cure and compliance errors for the bank.
• Verify all disclosures and fees and ensuring that all prospective loans conform to federal and state loan guidelines.
• Review initial loan applications and initial 3‑day disclosures in Empower loan origination systems.
• Prepare, generate, and deliver accurate initial mortgage loan disclosures within TRID guidelines with a primary focus on conventional loan products.
• Manage requests to disclose updated fees for changes in circumstance.
• Act as the primary contact for all mortgage disclosure activities.
• Assist with mortgage disclosure activities.
• Research and maintain a working knowledge of TRID as well as product guidelines.
• Expert‑level reviews of change in circumstance and good‑faith fee variance alerts.

Bachelor’s Degree not required.

• High School or equivalent.
• Mortgage background – 1+ years combined experience in customer service, financial services, real estate, accounting, or finance‑related fields.
• Effective verbal, written and interpersonal communication skills.
• Working knowledge of federal lending regulations, CFPB, and TRID requirements for mortgage disclosures, & analytical abilities.

Monday–Friday 8:00 AM–5:00 PM – Will need to be available for Saturday rotation, with a flex day given during the week to keep hours  be OT available during busy season.

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax‑preferred savings accounts, and a 401(k) plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full‑time or part‑time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.

For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non‑temporary position for which you apply, based on full‑time or part‑time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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