RESPA / Disclosure Specialist

Position Summary

The RESPA / Disclosure Specialist ensures new loan registration is accurate and complies with company policy and Federal and State regulations at the time of the mortgage loan application. The team will send initial disclosures before submission to Underwriting. The team will be responsible for re-disclosures in compliance with TRID rules set out by the CFPB.

The Team

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

Location

Fully remote or In-Office/ Hybrid schedules available.

Pay Disclosure

The starting base hourly pay range for this position is $23.00 – 27.00 per hour. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

Qualifications

• Minimum of 2 years of current experience in the mortgage industry.
• Strong knowledge in “A” Paper, FNMA/FHLMC, FHA/VA, USDA, and Bond programs required.
• Excellent written and oral communication skills. 

Education

High School Diploma or GED required.

Responsibilities

• Responsible for the entire RESPA Specialist function, including clearing all relevant tasks as well as all customer service dialogue with relevant parties. 
• Review new loan registrations for accuracy.
• Ensure the loan is compliant, resolve Compliance Ease Fails, and disclose within the proper timelines.
• Verbal and written correspondence with all parties.
• Re-Disclose the loan within proper timelines.
• Ensure all fees, taxes, and insurance are disclosed within state/federal guidelines.
• Follow TRID rules set out by the CFPB.
• Determine valid changes of circumstance.
• Aids RESPA Team Lead and Team Manager with rush requests or priorities and complete them in a timely manner.
• Threshold requirements: 10 initial disclosures and 12 revised.

Work Authorization

Must be able to verify identity and employment eligibility to work in the U.S without company visa sponsorship.

Other Duties

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned in order to meet the needs of the organization.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.