Tower Federal Credit Union · 10 hours ago
Real Estate Lending Disclosure Desk Analyst
Laurel, Maryland, United States
Full-time
Onsite
Mid Level
$32.69/hr - $40.86/hr
3+ years expTower Federal Credit Union is a financial institution that offers a variety of services, including lending. They are seeking a Real Estate Lending Disclosure Desk Analyst who will ensure compliance with federal and state regulations during the loan origination process, prepare and review loan disclosures, and provide guidance on compliance issues.
Financial Services
Responsibilities
Prepares, reviews, and delivers initial (LE) and final (CD) loan disclosures in accordance with TRID, Reg Z, TILA, RESPA, and other applicable regulations
Monitors new loan applications to ensure all disclosures are issued accurately and within TRID-required timeframes
Ensures all disclosures are accurate, complete, and delivered within required timeframes to mitigate compliance risk
Reviews loan documentation to confirm consistency and correctness of loan terms, fees, and closing costs
Identifies, investigates, and resolves issues related to disclosures, fees, products, or loan terms, collaborating with internal teams to ensure accurate and compliant outcomes
Recommends updates or revisions to policies, procedures, and disclosure templates to maintain compliance with evolving regulations
Serves as a resource for internal teams, responding to questions regarding disclosure requirements, policies, and procedures
Collaborates with loan officers, processors, underwriters, and closing teams to resolve disclosure-related issues
Maintains knowledge of federal and state regulations, investor requirements, and internal procedures to ensure ongoing compliance
Assists in audit preparation and respond to findings related to disclosures or compliance deficiencies
Supports continuous process improvements to enhance efficiency and accuracy of the disclosure workflow
Maintains in-depth knowledge of loan programs and guidelines
Qualification
Required
AA degree in related field; Bachelor's degree in finance, business, or a related field preferred
Minimum 3-5 years of experience in mortgage lending, loan operations, or compliance, with strong familiarity with TRID, Reg Z, TILA, RESPA, and related regulations
Minimum of 2 years experience in Loan Estimate and Closure Disclosure preparation and review
Or equivalent combination of education and experience
Knowledge of first mortgage products, loan origination systems, and loan disclosure requirements
Strong analytical, organizational, and problem-solving skills with a keen attention to detail
Ability to manage multiple priorities, deadlines, and high-volume loan pipelines
Possesses strong mathematical, analytical and problem-solving skills
Excellent communication and collaboration skills for interacting with internal teams and management
Ability to interpret, understand and apply TFCU Real Estate Lending Guidelines and FNMA/FHLMC/FHA/Investor Guidelines
Ability to show high level of accuracy and attention to detail
Ability to learn and work in a fast-paced environment
Ability to multi-task and prioritize work as required
Ability to work and communicate effectively with TFCU members, real estate agents, title companies and other members of the Real Estate Lending and Servicing team
Ability to work independently
Ability to identify/solve problems, to seek guidance when necessary, and to resolve them in an expeditious manner
Demonstrated proficiency to include Word, Excel, Outlook, internet, e-mail and mortgage- loan origination software
Ability to convey work process issues to other members of the Real Estate Lending department
Ability to adapt to changes within internal, market or regulatory environments
Ability to organize workflow, loan files and documents
Ability to work within stringent time constraints and in a high-pressure environment
Ability to receive constructive feedback from co-workers and management
Ability to work in a team environment and demonstrate the ability to help others
Ability to write operational reports, business correspondence and complete required loan origination forms
Ability to identify emerging problems in the loan origination process and resolve them in an expeditious manner
Ability to represent the credit union to members and third-party strategic partners
Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC
Benefits
$1000 Signing/Retaining bonus as of 1/20/2025.
Exceptionally low medical premiums in addition to a whole host of other benefits.
Company
Tower Federal Credit Union
Tower Federal Credit Union was founded in 1953
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Richard Stafford
President & CEO
Recent News
Maryland Daily Record
2026-01-03
Tower Federal Credit Union
2025-09-04
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