Mortgage Closing Disclosure Balancer

Position Summary:
The Mortgage Closing Disclosure (CD) Balancer is responsible for preparing, reviewing, and balancing the Closing Disclosure documents for residential mortgage transactions in compliance with regulatory guidelines. This role ensures accuracy and alignment between lender and settlement agent figures prior to closing, playing a vital part in delivering a smooth and timely funding process for borrowers.

Key Responsibilities:

• Review loan documentation to prepare and balance the Closing Disclosure (CD) in accordance with TRID guidelines.
• Compare and validate fees and figures between lender system and title/escrow settlement statement.
• Coordinate with settlement agents, processors, underwriters, closers, and funders to ensure accurate and timely delivery of the CD.
• Identify and resolve discrepancies or fee variances prior to final CD approval.
• Maintain knowledge of loan program guidelines, regulatory requirements, and investor/CD tolerance rules.
• Ensure timely delivery of initial and final Closing Disclosures in accordance with required timelines.
• Accurately enter and update data in the Loan Origination System (LOS).
• Communicate professionally and effectively with all internal and external stakeholders.
• Monitor deadlines and closing schedules to ensure on-time closings.
• Provide support during audits and quality control reviews as needed.
• Stay current with industry changes and compliance requirements.

Qualifications:

• 2 years of mortgage experience, preferably in closing, funding, or post-closing
• Strong knowledge of TRID, CD preparation, and mortgage regulatory compliance
• Experience working with title companies and settlement agents
• High attention to detail and excellent organizational skills
• Ability to prioritize and manage multiple files in a fast-paced environment
• Strong communication and problem-solving skills
• Proficiency in Loan Origination Systems (e.g., Encompass) and Microsoft Office Suite

Preferred Skills:

• Experience balancing government loans (FHA, VA, USDA) and conventional loans
• Familiarity with investor-specific CD requirements
• Ability to interpret complex fee structures and reconcile third-party invoices

Work Environment:
This position may be remote or in-office depending on company needs. The role requires regular interaction with internal teams and external partners via phone, email, and secure platforms.