Description
Your Opportunity
At Envoy Mortgage, part of the PLACE family of companies, we are building a category-defining mortgage experience at the intersection of people, technology, and financial services. As a high-growth company with high standards, our team moves fast, sweats the details, and is committed to doing the best work of our lives.
This is YOUR CHANCE to be the compliance backbone of our mortgage operations. As our Disclosure Support Specialist, you will partner with the Disclosure Desk Manager, originators, and operations leadership to ensure every loan disclosure is accurate, compliant, and delivered on time. If you thrive in a detail-driven environment, know your TRID from your RESPA, and take pride in getting it exactly right every time, this is your PLACE.
Who Develops You: Disclosure Desk Manager
What You're Great At
You are the kind of professional who notices what others miss. Compliance isn't a checkbox for you — it's a standard you hold yourself to because you understand the consequences when it slips. You are organized, precise, and comfortable working at high volume without sacrificing accuracy. You know your way around Encompass, you understand TRID timelines cold, and you can spot a fee discrepancy before it becomes a problem. You communicate clearly with originators, stay calm under deadline pressure, and take personal ownership of every file that crosses your desk. Detail is your superpower and accuracy is your brand.
What You'll Do
- Serve as the primary point of contact for disclosure-related inquiries and escalate issues to the Disclosure Desk Manager as needed
- Audit files for completeness and accuracy to ensure compliance before sending initial disclosures and Loan Estimates
- Prepare Loan Estimates (LE), confirm fees and pricing are accurate, and release to borrowers via e-Sign
- Send disclosures in a timely manner and track outstanding disclosures via e-sign portal or paper fulfillment as appropriate
- Identify odd or missing fee amounts prior to disclosure and contact originators to resolve missing data before release
- Update the LOS to document that disclosures were generated and provided to the consumer
- Review fee changes to determine compliance with TRID changed circumstance and tolerance requirements
- Monitor Change of Circumstance (COC) requests and ensure re-disclosures and COC notices are issued within required timeframes
- Prepare daily pipeline status reports for operations, compliance, and senior management as needed
- Develop and maintain working knowledge of new or amended statutes and regulations relevant to mortgage lending
- Maintain the confidentiality and privacy of all loan applicant information
- Other duties as assigned
What You Bring
- 2–3 years of experience in mortgage operations required; retail mortgage lending environment preferred
- High school diploma or GED required; comparable work experience considered
- Experience with Encompass or a similar LOS preferred
- Strong knowledge of compliance and regulatory requirements including TILA/TRID, RESPA, ECOA, HMDA, FCRA, FACTA, and ESIGN
- Working knowledge of Change in Circumstance (COC) rules, including valid vs. invalid changed circumstance reasons and their application to disclosures
- Experience with both conventional and government loan types required
- Exceptional attention to detail, accuracy, and organizational skills
- Ability to prioritize, multi-task, and thrive in a high-volume environment
- Strong verbal and written communication skills with the ability to work cross-functionally with originators and operations teams
Salary: Ranges from $28-31/hour, depending on experience
Why PLACE
We believe people do their best work when they're trusted, supported, and surrounded by others who are equally driven. Our competitive benefits include PTO as needed, comprehensive insurance coverage, a 401(k) match, stock option grants, and a stock purchase plan. Every team member is an owner, building the PLACE they are proud to call "my company."
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