Post Closing TRID Specialist

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.

A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview:
The Post Closing TRID (Tila Respa Integrated Disclosures) Specialist is responsible for addressing any issues related to closed loans that could result in a TRID compliance violation or prevent the sale of a closed loan. The Post Closing TRID specialist utilizes the loan origination system (LOS) to monitor a closed loan pipeline, ensuring that any needed Post Consummation Closing Disclosures (PCCD’s) are issued in a timely manner and federal, state, and investor guidelines are met.  Additionally, the Post Closing TRID Specialist maintains daily communication with the Post Closing TRID Team Lead regarding any pending issues, questions, or escalated loans.
Job Responsibilities:

• Perform post closing loan level compliance analysis to ensure the initial and final disclosures meet federal, state, investor, and agency guidelines and requirements, including but not limited to Loan estimate and Closing Disclosure Accuracy Review, TRID Tolerance Review.

• Document all findings and provide comprehensive written account of audit findings.

• Complete accurate and compliant Post Consummation Closing Disclosures (PCCD’s) to be provided to borrowers within TRID timing guideline requirements.

• Analyze and interpret compliance report findings.

• Efficiently process up to 10 file reviews per day.

• Effectively manage a pipeline of various loan types for compliance analysis pertaining to investor exceptions.

• Ensure that all loan documentation is complete, accurate, verified, and complies with company policy and federal and state regulations at time of mortgage loan application.

• Review exceptions and obtain clarity from the investor to determine documentation needed to cure defect.

• Review the closed loan file to determine if TRID related suspense item(s) are already in the loan file and submit to the investor for review and curing of suspense or notify and work with internal and external departments and clients to obtain needed documentation to cure suspense items timely.

• Notify management on any salability issues found. 

• Monitor time of loans on the warehouse lines and advise Post Closing Manager of those at potential risk for not meeting the RESPA cure timeline.

• Provide updates on the status of assigned loans to management.

• Meet monthly production goals as determined by management.

• Monitor and prioritize workload based on funded date adhering to RESPA cure timelines.

• Perform other duties as assigned.

Qualifications and Skills:

• Bachelor’s degree and/or equivalent combination of education/experience.

• Minimum of 2 years of experience in a mortgage closing and/or post-closing position with a thorough understanding of the following:

• TRID (TILA-RESPA Integrated Disclosure) guidelines,

• Loan estimates,

• Re-disclosure requirements and change of circumstance,

• Closing Disclosures.

• Experience with Mavent or CompianceEase, preferred. 

• Experience working with Encompass LOS, preferred.

• Excellent problem-solving skills to determine solutions and alternative approaches while meeting all regulatory and investor guidelines.

• Excellent attention to detail, analytical, and organizational skills.

• Excellent customer service and communication skills with internal employees and external vendors

• Proficient in Microsoft Office Suite.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. 

Pay Range:

• Hourly Rate: $24.03 - $28.84
• The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position.