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Mortgage Closing Disclosure Specialist

About MCU:

At Municipal Credit Union, we believe that an incredible culture helps create a happy and motivated team that works hard to achieve the best results for themselves and their members. For more than 100 years, MCU has provided affordable financial products and convenient services to a membership base that is now comprised of over 600,000 individuals. With each new generation we have the pleasure of interacting with, we maintain the credit union promise of people helping people.

Our Mission:

To help hard-working New Yorkers build better tomorrows

Our Vision:

Be New York's most loved financial institution by helping our members build their best financial futures

Overview: The Mortgage Closing Disclosure Specialist supports Real Estate Lending Operations by preparing, verifying, and distributing Closing Disclosures while ensuring compliance with all regulatory requirements, including NCUA regulations, TRID (TILA-RESPA Integrated Disclosure) requirements, and MCU policies. This role serves as a key liaison between MCU, our bank attorneys, and members to facilitate a smooth and timely closing process.

Responsibilities:

Specific duties include, but are not limited to, the following:

Prepare and review Closing Disclosures in compliance with NCUA, TRID, and internal policies.
Verify fees, loan terms, and settlement statements for accuracy and consistency.
Communicate with title/escrow agents to confirm fees, terms, and timelines to prevent delays.
Investigate and resolve discrepancies or inconsistencies in loan terms, fees, or documentation prior to closing.
Monitor timelines and manage critical disclosure deadlines in accordance with TRID to ensure on-time delivery and regulatory compliance.
Provide members with clear explanations of documents and respond promptly to inquiries from all parties involved.
Maintain accurate records of closing disclosures and supporting documentation to ensure adherence to company and federal/state mortgage regulations.
Utilize loan origination systems (LOS) and other mortgage software tools to prepare and track closing disclosures.
Assist with QC/Post-Closing and compliance audits related to Closing Disclosures and answer to findings as requested.
Perform other related duties as requested and special projects as assigned.

Requirements:

High school diploma required; Associate’s or Bachelor’s degree in business, finance, or related field preferred.
Minimum 2 years of experience in mortgage closing, processing, or disclosure preparation within a credit union, bank, or mortgage lender.
Knowledge of LE, COC and CD preparation.

Knowledge and understanding of TRID, RESPA, Regulation Z, CFPB, HMDA, TILA, ECOA, FCRA, Fair Lending, title insurance, title reports, notes, mortgages, and related documentation.

Familiar with MortgageBot and DocMagic, a plus but not required.

Excellent problem-solving skills.
Strong written and verbal communication skills.
Ability to effectively prioritize tasks and meet deadlines.

Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail and organization.

Must be flexible and adaptable in a changing environment.

Self-motivated, ability to communicate within a team to solve issues and drive results, positive attitude.

Ability to work overtime when required.

Proficiency in Microsoft Office Suite.

Strong PC skills.

Technologically proficient.

Why you'll be a good fit:

Our Core Values are an integral part of who we are and who we hire. By living our Core Values, every day, we continue to attract the best and brightest talent, achieve unsurpassed results and continuously challenge ourselves to be better than yesterday. These values are at the heart of our organization and within every teammate. To be a great fit, you’ll bring the following

Results - We are passionate about winning.

Agility - We proactively anticipate, respond and pivot to ensure MCU wins.

Integrity - We operate with the highest ethical standards and highest degree of honesty.

Belonging - We cultivate a culture of inclusion and teamwork.

Ownership - We take personal responsibility and hold ourselves accountable for the results.

Why You’ll Love Working Here:

The pay range for this position is between $48,200-75,330 annually. Actual base pay offered may vary depending on a number of factors such as job-related knowledge, skills, experience, and location. Employees in this position may also be eligible for a discretionary bonus, 401(k) with an 6% employer match per pay period. Benefits for this position include Medical, vision, dental, life, and disability insurance, flexible paid time off and 11 paid holidays annually.

Municipal Credit Union (MCU) is an Equal Opportunity Employer. Municipal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by applicable federal, state or local laws.

We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization.

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