Role: The Disclosure and Lock Desk Specialist serves as a disclosure and lock ambassador to MLO and processors through being able to deliver Loan Estimates and comply with Regulation Z in a timely manner this role call efforts, must have a strong desire to achieve top results, be self-motivated and dependable. Act as a trusted advisor by offering credit union products that will add value to the member's overall financial experience.

Essential Functions & Responsibilities:

• Conduct a high volume of contact with the Mortgage Loan Processor and the Mortgage Loan Officer. Assist in making sure that we are able to get the member through the initial process as quickly and efficient as possible.

• Assist members with loan preliminary disclosure process and the orders of the title, survey, and appraisal. Follow up throughout the entire process to answer product and services questions.

• Maintain activity records and reports to immediate supervisor on a weekly basis.

• Lock the loans with First Service Credit Union or Investor in a timely manner so that COC disclosures can be sent in timely manner.

• Maintain usage proficiency on all member-related third-party systems and software including the maintenance of member records. These systems include but are not limited to member check ordering, Debit card ordering and maintenance, account and identity verification, etc.

• Perform other job duties as assigned.

Performance Measurements:

Possess complete and accurate knowledge of all credit union products, services, policies and procedures.  

Knowledgeable and proficient in placing orders for loans for the different products. Also, have proficiency in identification of items needed to meet regulatory requirements on all loans.  

Knowledgeable and proficient in the loan application workflow, loan products, rates and terms, and good understanding of our underwriting guidelines. Also, have proficiency in reviewing credit reports, loan applications, real estate contract for accuracy.  

Accurately and efficiently complete all preliminary disclosures related to the mortgage loan within the three-day requirement.  

Must be available to assist the Mortgage Loan Officer’s or Mortgage Processor’s for back-up as requested by management.  

Refer and cross-sell credit union products and services to meet member needs and individual goals.  

Able to lock loans in a timely manner when requested. Must also be able to follow guidelines to make sure, that the correct rates are being given.

Knowledge and Skills: 

Experience: More than three years of similar or related experience.  

Education: High School diploma or equivalent required Must be knowledgeable of Regulation Z and CFPB regulations and requirements.  

Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.  

Other Skills: 

- NMLS required

- Ability to be a self-starter and ability to manage their time effectively.

- The ability to effectively communicate with all levels of the organization and to outside parties.

- Analytical ability to quickly assess member's financial needs and offer solutions with excellent product and service sales skills. 

- Must have a proactive attitude toward members, supervisors, co-workers and the credit union.

- Must be proficient in Microsoft Office products, including but not limited to Word, Excel, email and Outlook. 

- Willingness to attend training seminars and meetings outside normal working hours. 

- Proficient in Ellie Mae Encompass.  

Physical Requirements:

While performing the duties of the job, the employee is regularly required to:

-Position self to move about the work area.

-Reach, grab, sort.

-Communicate in person and via telephone with others.

-Identify and recognize small font communication.

-Ability to transport a minimum of 10 pounds.