Rate Companies is a leader in mortgage lending and digital financial services. Headquartered in Chicago, the Rate Companies has more than 7,000 employees in over 850 branches across the U.S., serving all 50 states and Washington, D.C. Since its launch in 2000, Rate Companies has helped more than 1 million homeowners with home purchase loans and refinances, with a total loan volume of more than $116 billion in 2021 alone. The company has cemented itself as an industry leader by introducing innovative technology, offering low rates and delivering unparalleled customer service. Honors and awards include: Top Lender for Online Service for 2018 by U.S. News & World Report; Best Mortgage Lender for Online Loans and Best Mortgage Lender for Refinancing by NerdWallet for 2021; HousingWire’s 2020 Tech100 award for the company’s industry-leading FlashClose℠ technology; No. 3 ranking in Scotsman Guide’s 2021 list of Top Retail Mortgage Lenders; Chicago Agent Magazine’s Lender of the Year for six consecutive years; and Chicago Tribune’s Top Workplaces list for seven consecutive years. Visit rate.com for more information.

We are currently seeking a hard-working, dedicated full time Disclosure Analyst to join our innovative and passionate team.
Compensation - $38-$40k – Hours 9-6 PST M-F

Duties and Responsibilities:

• Review loan files for completeness and accuracy
• Ensure loans are disclosed to the borrower(s) within the required compliance windows
• Verify all redisclosures follow regulatory and company guidelines
• Communicate with the Pod any deficiencies that must be corrected prior to issuing disclosures
• Maintain up to date knowledge of Federal, state, and local guidelines surrounding required disclosures to borrowers
• Explains and reviews all disclosure requirements with Pods to assist them in understanding guidelines
• Cooperate and work effectively with others to maintain an amicable, high performing workplace
• General office responsibilities that may include, typing, file maintenance, report distribution
• Complete tasks in a timely manner and work amicably with others
• Other duties and responsibilities as assigned

Education or Formal Training:

• High school diploma or equivalent required
• Associate’s degree or equivalent preferred

Experience:

• Experience working with documentation in a high-volume environment.
• Experience in a documentation review or quality assurance role in a regulated financial institution preferred.
• One year residential mortgage lending experience preferred
• Experience with Encompass

Knowledge, Skills & Abilities:

• Knowledge of TILA/RESPA Integrated Disclosure Rule (TRID)
• Knowledge of mortgage management software and basic computer skills
• Ability to work a fast-paced environment that will require strong organizational skills
• Ability to review paperless documents with an eye for error
• Extremely detail-oriented and well-organized
• Ability to multi-task and work under pressure with high volume
• Must have good decision-making skills
• Strong oral and written communication skills, with a customer-service focus
• Excellent time-management skills with ability to multitask and meet deadlines
• Ability to exercise independent judgment calls based on knowledge of Federal and state regulatory requirements
• Ability to coach and persuade others in a consultative environment

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

Applications are being accepted on an ongoing basis.

Please click this link to learn more about our benefit offerings for Washington State: https://www.rate.com/careers/open-positions/disclosures

Click here to apply online

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