Disposition Review Specialist

The Role: 

We're looking for a detail-oriented Disposition Review Specialist to join our team. In this role, you will be a key contributor in ensuring our mortgage and home equity loan processes are efficient and compliant with federal regulations. You'll be responsible for reviewing loan files and ensuring timely and accurate disposition, with a special focus on adhering to the Equal Credit Opportunity Act (ECOA) and Regulation B. This role requires strong problem-solving skills and a solid background in mortgage operations and compliance.

What You’ll Do: 

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  Process Management: Monitor and process daily work queues to facilitate the accurate and timely disposition of loan files.

  
  


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  Regulatory Compliance: Implement internal procedures to ensure the correct and timely delivery of Adverse Action Notices in accordance with ECOA and Regulation B guidelines.

  
  


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  Interdepartmental Collaboration: Work closely with Mortgage and Home Equity Sales and Operations teams to review and resolve issues with loan files submitted for disposition.

  
  


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  Quality Assurance: Perform thorough data and document validation against product guidelines and conduct Quality Assurance (QA) testing on loans to ensure full compliance with Regulation B (ECOA) and Regulation C (HMDA).

  
  


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  Ad Hoc Duties: Perform other related duties as assigned to support department objectives.

  
  


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  Cultural Alignment: Actively demonstrate behaviors that align with the organization’s desired culture and values.

  
  

What You Need: 

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  Education & Experience: An Associate's degree or equivalent work experience, with a minimum of 3 years of experience in the mortgage industry.

  
  


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  Technical Knowledge: Advanced knowledge of Regulation B (ECOA) and intermediate knowledge of Regulation C (HMDA).

  
  


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  Software Proficiency: Strong experience with mortgage origination software, specifically Encompass and Blend, and proficiency in Microsoft Office Suite.

  
  


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  Skills: Excellent problem-solving, critical thinking, time management, and organizational skills.

  
  

Preferred Qualifications:

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  Prior experience in a compliance or quality assurance role within a financial institution.

  
  


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  Familiarity with other relevant mortgage regulations.