Job Description

Job Location: Operations Center - Birmingham, AL 35242Education
Level: High School Diploma/GED

Position Summary:
The Consumer Real Estate Loan Documentation Specialist role is responsible for preparing and ensuring the accuracy and compliance of all consumer real estate loan documentation. The ideal candidate will have a strong understanding of mortgage lending regulations, specifically TRID, exceptional attention to detail, and the ability to work efficiently in a fast-paced environment.

Essential Duties and Responsibilities:
- Prepare and coordinate consumer real estate disclosures, ensuring all disclosures are timely and accurate in accordance with regulatory requirements
- Prepare and coordinate consumer real estate loan closing documentation, ensuring all documents are accurate and in accordance with regulatory requirements
- Review title commitments, insurance policies, and other third-party reports to identify and resolve any issues that may affect document accuracy
- Maintain clear communication with loan officers, processors, and underwriters to facilitate smooth loan closings
- Verify all conditions of approval have been satisfied prior to closing
- Maintain organized loan files in electronic format in accordance with record retention policies
- Assist with internal and external audits by providing documentation and responding to audit findings
- Stay current with changes in mortgage lending regulations and industry best practices through continuing education and training
- Performs other related duties as assigned

QualificationsKnowledge/Skills/Abilities:
- Strong knowledge of residential mortgage lending regulations, including TRID, RESPA, TILA, ECOA, FCRA, and HMDA
- Exceptional attention to detail and accuracy in reviewing complex documentation
- Strong organizational and time management skills with ability to manage multiple priorities and meet deadlines
- Excellent written and verbal communication skills
- Proficiency in Microsoft Office Suite (Word, Excel, Outlook)
- Jack Henry system knowledge preferred
- LaserPro system knowledge preferred
- Ability to work independently with little supervision
- Ability to multi task and prioritize workload in a fast-paced work environment
Competencies:
- Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance.
- Collaboration: Works with project team members to summarize progress in preparation for briefings; Volunteers to assist others with excess work; Contributes to group discussions.
- Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; Effectively handles situations with moderate degree of tension, conflict and/or distress.
- Decision-Making: Exercises good judgment in situations where there are clear and straightforward answers; Understands when it is appropriate to make decisions independently vs. when it is appropriate to seek advice from higher level; Occasionally seeks guidance from others when faced with adversity.
- Organizational Awareness: Demonstrates general knowledge of the mission and functions of the organization; Demonstrates basic knowledge of and adheres to the organization’s policies, procedures, rules, regulations impacting the organization, and guidelines; Stays current with organizational programs and polices; Understands the company's organizational structure and key departments/functions.
- Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; Willingly accepts new or additional responsibilities.
Education and

Experience:
- Required:
- - High school diploma or GED required
- - Minimum 2-3 years of experience in mortgage loan documentation, closing, or processing
- Preferred:
- - Associate's or Bachelor's degree in Business, Finance, or related field preferred