Disclosure Reviewer

Legacy Mutual Mortgage is an outstanding full service residential mortgage lender originating, underwriting and closing conventional, jumbo, FHA, VA and USDA mortgage loans. In business since 2005, we are dedicated to meeting the home loan needs of individual homebuyers while working with our real estate partners in Texas. Our team members are the key to Legacy’s success, and we are looking for highly motivated, qualified individuals to join our talented team.

Essential Functions:

• Must be familiar with basic mortgage lending regulatory rules and regulations, including Truth in Lending and Real Estate Settlement Procedures Act.
• Review and analyze mortgage loan disclosures for accuracy and compliance with applicable regulations.
• Audit file for completeness and accuracy to ensure compliance before sending out initial disclosures and Loan Estimate.
• Prepare and deliver required disclosures to borrowers in a timely manner via e-sign portal.
• Monitor Change of Circumstance requests and ensure re-disclosures and COC notices are in compliance and issued within required timeframes.
• Identify and address any discrepancies or errors in loan documentation.
• Ensures compliance rules, regulations and guidelines are met at time of loan origination and submission.
• Submits reviewed and cleared loans to Underwriting.
• Serves as the main contact between Production and Underwriting with regard to disclosures.
• Excellent organizational skills with strong attention to detail.
• Strong customer service and pipeline management skills.
• Stay updated on industry regulations and best practices.
• Maintains regular attendance.
• May perform other duties as assigned.

• High school diploma or equivalent with some college work completed.
• One to five years’ experience in the mortgage industry in Underwriting, Processing, Compliance, or a combination.
• Strong understanding of mortgage loan regulations, including TRID LE/CD requirements.
• Working knowledge of RESPA “Change in Circumstances”, including: Valid vs Invalid changed circumstances reasons.
• Conventional and Government loan experience a plus.
• Must be familiar with Encompass loan origination system.
• Strong aptitude for detail, accuracy, and organization.
• Ability to prioritize and multi-task with ease.
• Ability to work in a high-volume environment.
• Must be able to work 40 hours a week during normal business hours.
• Must have excellent verbal and written communication, interpersonal, and organizational skills.
• Must have proficient data entry skills, pay close attention to details, and demonstrate excellent time management.

We offer competitive and outstanding benefits for our full-time employees that include the following: paid medical premiums for employees, Dental, Vision, Short and Long Term Disability, Life, AD&D, 401(k) with Company match and paid time off.

Legacy Mutual Mortgage is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.