Disclosure Analyst, Lead

Description

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.

The Disclosure Analyst, Lead is responsible for overseeing the timely and accurate preparation, review, and delivery of mortgage disclosures in accordance with federal, state, and investor guidelines, including TRID (TILA-RESPA Integrated Disclosures), RESPA, and TILA. This role supports process improvement initiatives and provides leadership and guidance to a team of disclosure analysts.

Key Responsibilities

• Audit files for completeness and accuracy to ensure compliance before sending out initial closing disclosures and Loan Estimates
• Monitor required disclosures and distribute them through the e-signature portal or fulfillment process, as appropriate.
• Monitor Change of Circumstance requests and ensure re-disclosures comply and are issued within required timeframes
• Maintain efficient levels of service and comply with regulatory timelines associated with the completion and dissemination of loan disclosure
• Handles team escalations
• Works with managers to strategize workflow improvements
• Perform other duties as required and assigned

Requirements

• 1-2 years’ experience in a mortgage operations position required
• Encompass loan origination system experience required
• Thorough knowledge of TRID and RESPA LE/CD requirements required
• Working knowledge of RESPA “Change in Circumstances”, including Valid vs. Invalid changed circumstances reasons (required)
• Strong aptitude for detail, accuracy, organization
• Ability to prioritize and multi-task with ease
• Excellent interpersonal, written, and verbal communication skills
• Ability to work in a high-volume and fast-paced environment
• 4-year degree required 

Why Join Cake Mortgage?

• Be part of a fast-growing company changing the game in Non-QM
• Competitive compensation and performance-based bonuses
• Collaborative and entrepreneurial culture
• Opportunities for career advancement and innovation

Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.