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Lead Associate – Initial Disclosure

Bangalore

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Job Brief

We are seeking a detail-oriented and knowledgeable Lead Associate to join our Initial Disclosure team. The role involves preparing and validating initial disclosures provided to borrowers during loan origination, ensuring compliance with federal and state regulations as well as client-specific guidelines.

Roles & Responsibilities

  • Review and validate loan details, closing costs, and finance charges in accordance with regulatory requirements and investor/client overlays.
  • Assess and validate Change of Circumstance (COC) events, ensuring all changes are justified, documented, and compliant with applicable guidelines.
  • Ensure data integrity by reconciling and validating information across Loan Origination Systems (LOS), audit tools, and other internal systems.
  • Maintain up-to-date knowledge of US mortgage industry standards, compliance guidelines, and regulatory changes.
  • Consistently meet daily production targets and service level agreements (SLAs).
  • Generate accurate reports and handle escalations effectively.
  • Collaborate with team members and management to suggest process improvements aimed at reducing defects and improving turnaround times.
  • Perform additional responsibilities as assigned by management.

Requirements

  • Graduate in any discipline.
  • 2+ years of hands-on experience in US mortgage operations
  • Solid understanding of the US mortgage industry, especially related to closing and compliance operations.
  • Familiarity with documentation requirements for closing and compliance regulations.
  • Strong knowledge of regulatory overlays and guidelines.
  • High attention to detail and strong analytical/problem-solving abilities.
  • Effective verbal and written communication skills for documenting updates and interacting with stakeholders.
  • Proficiency in MS Office applications.
  • Ability to make informed decisions based on situational analysis.
  • Flexible to work night shifts or any assigned shift as required.

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