Mortgage Disclosure Representative 1

Position Title: Mortgage Disclosure Representative 1

Business Unit: Mortgage Administration

Reports to: Manager of Mortgage Disclosures

Position Overview:

The position is primarily responsible for issuing initial disclosure and redisclosure packages within compliance of government regulations and investor guidelines and with the direction of the Manager of Compliance and Quality Control. The incumbent works in partnership with the mortgage compliance procedures and documents any changes in procedures and details level job aids. The incumbent is responsible for reviewing all incoming loans for data integrity.

Primary Responsibilities:

Reviews disclosure packages including loan estimate, for correct fees and compliance to regulations prior to producing the package to the borrower through the system. Facilitates correction to borrower email addresses if incorrect.

Reviews fee information from settlement agents and other data sources to ensure the most accurate fees are disclosed. Also ensures all fees disclosed are within regulatory tolerances.

Identifies and communicates any incorrect template structure for pre-populated fields within the system to facilitate a more efficient process.

Investigates and communicates with processors, MLO, supervisors and underwriters on taking corrective action to ensure compliance with TRID, QM, HOEPA, HPML and investor guidelines.

Stays current with constant changes in regulations and investor guidelines to ensure compliance. Completes required training in a timely manner and performs job duties in an exceptional professional manner.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:

High School or GED

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

1

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent organizational, analytical and interpersonal skills

Excellent communication skills, both written and verbal

Detail-oriented

Ability to use general office equipment

Ability to use a personal computer and job-related software

MS Word - Basic Level

MS Excel - Basic Level

MS PowerPoint - Basic Level

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A

Equal Employment Opportunity (EEO):

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.