Job Details

It Starts With Our Employees

FourLeaf's ultimate goal is to provide the best-in-class member and employee experience, and it all begins with two things: hiring incredible people and giving them a great place to work.

What You'll Do

The Disclosure Desk Specialist will be a part of our talented First Mortgage Fulfillment team. Our Disclosure Desk Specialist plays a vital role in ensuring all required disclosures are delivered to members within state and federal regulations and the Credit Union's policies and procedures. The Disclosure Desk Specialist works closely with various team members to ensure the accuracy and completeness of mortgage disclosures at application and to capture any changes occur throughout the loan process.

This opportunity is open to flexible work options including a remote set up.

Core Contributions

• Prepare and issue Initial Disclosure packages for FHA, VA, and Conventional mortgage loans ensuring accuracy and compliance with state and federal regulations and FourLeaf's policies and procedures.
• Review loans and documents to determine if changes constitute a valid Change in Circumstance and issue Revised Disclosures ensuring accuracy and compliance with state and federal regulations and FourLeaf's policies and procedures.
• Work in collaboration with Loan Officers, Processors, Underwriters, and other team members to address any discrepancies and ensure the accuracy and validity of the loan disclosures.
• Ensure all required disclosures are delivered to members within state and federal regulatory timeframes while maintaining the highest level of accuracy and member service.
• Maintain accurate records of all disclosures for each individual loan file.
• Responsible for completing tasks by required due dates to effectively manage their loan pipeline.
• Assist with appraisal delivery to members in a timely manner.
• Additional job-related projects and duties as assigned by management.

Assets You Will Bring

• High School Diploma or GED.
• 2 years of first mortgage loan experience, preferably disclosures experience.
• Knowledge of TILA-RESPA Integrated Disclosures (TRID) guidelines, RESPA, HMDA, and CFPB requirements required.
• Knowledge of agency (FNMA/FHLMC/FHA/VA) guidelines and requirements preferred.
• Knowledge of First Mortgage operations and Mortgage Cadence Loan Origination System.

The estimated salary for this role is $26.35 - $30.96 per hour. (FourLeaf Federal Credit Union offers a comprehensive benefits package, including medical, dental, and vision coverage; life and disability insurance; voluntary benefit programs; a 401(k) plan with employer match; reimbursement and wellness programs; and an annual performance-based bonus.)

What Sets Us Apart?

In addition to our comprehensive benefits, we invest in employee connection and well-being through:

• Competitive 401(k)
• Tuition and fitness reimbursement programs
• Flexible work options
• Volunteer opportunities
• Executive “Water Cooler Chats”
• Clubs, sports, and social events
• Food truck days

….and more!

Who is FourLeaf?

FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. From applying for a credit card to closing on your mortgage to opening your child's first savings account, FourLeaf is here to help you reach your financial goals.

We are proud to be an award-winning place to work! Some of our recent recognitions include Certified Great Place to Work 2024-2025, America's Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune's Best Workplaces in Financial Services & Insurance 2024.

As a credit union, our vision is to enrich the lives of our members, employees, and communities. Since 2002, we have been an integral community partner through our charitable giving and community development programs in New York and beyond.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.