Initial Closing Disclosure Analyst
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Job Description
ICD Analyst ensuring accurate mortgage loan disclosures and compliance with regulations at NightOwl. Collaborating with teams for timely loan closing and quality control checks.
Responsibilities:
- Generate and review Initial Closing Disclosure (ICD) documents for accuracy and completeness in accordance with company policies and regulatory requirements.
- Ensure that the ICD is sent to the borrower at least three business days prior to closing, adhering to TRID (TILA-RESPA Integrated Disclosure) regulations.
- Review loan terms, fees, taxes, and other financial data to ensure they are accurately reflected in the ICD.
- Cross-check all loan documentation to ensure alignment with underwriting conditions and customer information.
- Identify and resolve any discrepancies in loan documentation prior to issuing the ICD.
- Stay up to date with federal and state mortgage regulations (including TRID) to ensure all disclosures meet legal standards.
- Maintain detailed records of all issued ICDs and monitor timelines to ensure compliance with the three-day disclosure rule.
- Work closely with loan officers, underwriters, processors, and closing coordinators to ensure all necessary data is collected and accurately reflected in the ICD.
- Communicate with the loan origination team to address any borrower questions or concerns regarding the closing disclosure.
- Conduct quality control checks on all ICDs before submission to ensure there are no errors or omissions.
- Report any issues or trends regarding ICD errors or compliance risks to management for further review.
Requirements:
- Proficiency in Microsoft Office Suite (Excel, Word, Outlook).
- Analytical mindset with the ability to identify and solve problems quickly.
- Familiarity with loan documentation, including closing disclosures, loan estimates, and underwriting terms.
- Strong organizational skills and ability to manage workflow efficiently.
Benefits:
- Above market salary
- HMO with free dependent
- Paid leave incentives
- Performance based Incentives
- Quarterly Company Events
- In-depth training for career growth
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