Closing Disclosure Agent

Job Title: Closing Disclosure Agent

Location: Draper, UT

Job Type: Full Time

Company: Village Capital & Investment LLC

Introduction:

Village Capital is a well-established mortgage company committed to delivering a quick, efficient, and quality mortgage loan process to our customers and business partners. We are a nationwide mortgage lender specializing in FHA, VA, USDA Loans. Our Headquarters are located in Henderson NV. We are a lender/servicer, who works with loan originators, brokers, and correspondents to offer our customers great rates and good terms.

Key Responsibilities:

• Prepare and Review Closing Disclosures (CDs): Accurately generate and audit closing disclosures, ensuring all loan terms, fees, and closing costs are correct and compliant with TRID and lender guidelines.
• Coordinate with Settlement Agents and Title Companies: Work closely with external partners to reconcile fees, confirm wire instructions, and finalize the CD for borrower delivery and closing.
• Ensure Timely Delivery of Disclosures: Monitor critical timelines to ensure the closing disclosure is delivered to the borrower within regulatory deadlines (typically at least 3 business days prior to closing).
• Resolve Discrepancies and Last-Minute Changes: Identify and correct errors in fees, taxes, insurance, or escrow items, and issue revised disclosures as needed in compliance with applicable rules.

Basic Qualifications:

• Proven experience with problem-solving skills and attention to detail
• Strong communication and interpersonal skills
• Ability to work independently and as part of a team
• Proficiency in Windows and Encompass (Encompass preferred not required)
• Strong problem-solving skills and attention to detail

Specific Qualifications:

• Willingness to Learn TRID and Closing Regulations: We will train you on the TILA-RESPA Integrated Disclosure (TRID) rules, including required timelines and formatting standards for the Closing Disclosure (CD).
• Interest in Learning Closing Disclosure Preparation: You'll receive hands-on training to accurately prepare, review, and reconcile Closing Disclosures and final settlement statements in compliance with regulatory and lender guidelines.
• Ability to Learn Loan Software Systems: We'll provide instruction on how to use loan origination and document preparation systems such as Encompass or similar platforms-no prior software experience necessary.
• Strong Attention to Detail and Willingness to Learn: We're looking for individuals who enjoy solving problems and are eager to learn how to identify and resolve discrepancies in loan files to ensure accuracy and compliance.
• Team Player with Good Communication Skills: Training will include how to coordinate with title companies, escrow agents, and internal team members to ensure closing documents are delivered accurately and on time.

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

In summary:

If you are looking for an opportunity to contribute to a growing organization that values your skills and expertise, we want to hear from you. At Village Capital & Investment LLC, we believe in fostering a supportive and inclusive work environment that encourages professional growth. Apply today to take the next step in your career with us!

Position Description:

The Closing Disclosure Agent is responsible for the accurate preparation, review, and delivery of Closing Disclosures (CDs) in compliance with TRID regulations and lender guidelines. This role works closely with settlement agents, title companies, and internal teams to ensure all loan terms, fees, and closing costs are correct and delivered within required timelines. The ideal candidate is detail-oriented, eager to learn, and enjoys problem-solving in a fast-paced mortgage environment.