Mortgage Disclosure Specialist (Post- Closing)

At OnPath Credit Union, we share a passion for delivering exceptional service.

Your primary role will involve building relationships with our members, offering personalized solutions and identifying opportunities to help them achieve financial success.

If you thrive in an environment with team members who truly enjoy what they do and you are sales driven and motivated to succeed, then OnPath is the place for you!

Voted twelve years in a row as one of the Top 40 Places to Work by the Times Picayune, we offer:

Competitive Compensation

Impressive Benefits Package including Medical, Dental, Life Insurance, and 401(K) Plan

Paid Vacation, Wellness, Sick Time, and more!

Interested? Become part of the OnPath team that believes exceptional service defines the core of who we are.

We are looking for a Mortgage Disclosure Specialist (Post-Closing) to join our team! The salary range for this position is $22.80 to $28.50 per hour based on skills and experience. This position is classified as On-site.

SCOPE:

As a dedicated member of the OnPath FCU team, this role performs a variety of tasks that in partnership with the surrounding departments provide cost effective financial services for the benefit of our members who are our primary focus. Our core values are what make us E.P.I.I.C. We are Empathetic to the vast situations and needs of our members and to each other. We are Passionate about the financial growth and success of our members. We are Innovative in our ideas and goals to remain at the top of our class in financial services. Our Integrity is not an option. We require our employees to be honest and have strong moral principles. We are Committed to our promise to be the best financial advocates for our members and the communities we serve

ROLE:

The Disclosure Specialist is responsible for ensuring accurate, compliant, and timely generation of all mortgage-related disclosure documents, including Loan Estimates (LE), Closing Disclosures (CD), and Change of Circumstance (COC) notices. This position plays a key role in maintaining regulatory compliance under TRID, RESPA, Regulation Z, ECOA, and HMDA, and in ensuring a seamless borrower experience throughout the mortgage process.

MAJOR DUTIES AND RESPONSIBILITIES:

• Is responsible for loan closing and post-closing functions, as assigned. Ensure accuracy, timeliness, and detail orientation to all work products.
• Creates and checks Loan Estimates (LE), Closing Disclosures (CD), and other disclosures for accuracy in fees, terms, and costs.
• Ensures all documents meet rules from federal laws (like TRID, RESPA, TILA) and state laws, auditing files for adherence.
• Works with loan officers, processors, underwriters, and title agents to gather info and resolve discrepancies.
• Manages disclosure pipelines and ensures documents are delivered within strict regulatory timeframes.
• Reviews loan applications for completeness and verifies details like loan terms, interest rates, and fees.
• Provides clear, accurate information so borrowers understand their mortgage obligations. Catches mistakes in loan data that could lead to compliance issues or financial losses. Facilitates timely and legally sound mortgage closings.

Experience

Knowledge and Skills

• Minimum of 1–3 years of experience in mortgage disclosures
• Hands-on experience working with RESPA, Regulation Z (TILA), Regulation B (ECOA), ECOA, and HMDA compliance requirements.
• In-depth knowledge of mortgage regulations and disclosure requirements under TRID, TILA, RESPA, and other applicable federal laws
• Proficiency with Loan Origination Systems (LOS), particularly Empower, Encompass, or equivalent platforms.
• Excellent organizational skills with the ability to prioritize multiple tasks under strict deadlines.
• Exceptional attention to detail and accuracy in document preparation and review.

Education/Certifications/Licenses

High school diploma or equivalent required; associate or bachelor’s degree in business, Finance, or a related field preferred.

ADA Requirements

Physical Requirements

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental And/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of …