TPO Mortgage Specialist - Mt

Department: Mortgage Lending / Disclosures & Compliance Support

Reports To: Department Director

Location: Greenville/Charleston/ Possible - In Home

Employment Type: Full-Time

The TPO Mortgage Lending Specialist plays a critical support role in the mortgage origination process, with a primary focus on preparing and reviewing required disclosures for Third Party Origination (TPO) accounts and Retail originators. This position ensures timely, accurate, and compliant delivery of loan disclosures in accordance with federal (e.g., TRID/TILA-RESPA) and state regulations. The role also provides versatile assistance to the Department Director across various mortgage-related activities, requiring adaptability, strong attention to detail, and a willingness to "wear many hats" in a fast-paced environment.

• Prepare initial and subsequent disclosures for TPO (Third Party Origination) and Retail mortgage originators, including Loan Estimates (LE), Closing Disclosures (CD), and other required regulatory documents.
• Review disclosures for TPO accounts and Retail originators to verify accuracy of loan terms, fees, calculations, compliance with regulatory guidelines, and completeness of borrower information.
• Assist the Department Director in various mortgage lending activities, including but not limited to:
  • Compliance monitoring and support
  • Customer service inquiries related to disclosures and loan status
  • Indexing and organizing mortgage files
  • Preparing and submitting audit documentation
  • Other operational or administrative tasks as needed to support department goals
• Monitor disclosure timelines to ensure delivery within strict regulatory deadlines (e.g., 3-business-day rule for initial disclosures).
• Collaborate with loan officers, processors, underwriters, TPO partners, and compliance teams to resolve discrepancies and gather necessary information for accurate disclosure preparation.
• Maintain detailed records of disclosure activities, changes in circumstances, and communications in the loan origination system.
• Stay current on mortgage regulations, TPO guidelines, and industry best practices through ongoing training.

• Experience:
  • Preferred:
    Direct experience in TPO (Third Party Origination) mortgage lending, such as working with wholesale/correspondent channels, brokers, or TPO partners.
  • Or:
    Strong experience in retail mortgage disclosure preparation/review (e.g., initial disclosures, re-disclosures, TRID compliance).
  • Entry-level candidates with relevant mortgage operations or compliance support experience may be considered.
• Skills &
  
  Competencies:
  
  
  • Strong understanding of residential mortgage processes, loan documentation, and regulatory requirements (TILA, RESPA, TRID, ECOA, etc.).
  • Excellent attention to detail and accuracy in handling sensitive financial data.
  • Proficiency with mortgage loan origination systems (e.g., Mortgage Bot/Finestra, similar LOS platforms) preferred.
  • Strong organizational and multitasking abilities to manage multiple files and deadlines.
  • Effective communication skills (verbal and written) for interacting with internal teams, TPO partners, and borrowers.
  • High level of professionalism, integrity, and commitment to compliance.
• Personal Attributes:
  • Strong work ethic and reliability.
  • Adaptable and flexible - comfortable wearing many hats and supporting varied department needs.
  • Team-oriented with a proactive approach to problem-solving.

• Familiarity with TPO/wholesale lending environments and partner relationships.
• Knowledge of various loan types (Conventional, FHA, VA, USDA, etc.).
• Previous experience in a disclosure desk, closing, or compliance support role.
• Relevant certifications or ongoing education in mortgage compliance.

This role offers the opportunity to contribute directly to compliant and efficient mortgage originations while developing broad expertise in the industry.