Loan Risk Analyst

Description

Summary: This role involves processing rate lock and change-of-circumstance updates, issuing approvals and disclosure packages, and maintaining HMDA reporting, requiring close coordination and efficient communication. Highlights: 1. Process rate lock and change-of-circumstance updates 2. Issue Conditional Approvals and initial disclosure packages 3. Maintain accurate HMDA reporting and manage email communications **About Us:** GDL Connect is a US\-based company with operations in Guadalajara, Mexico, providing top\-tier nearshoring staffing solutions to lower operational costs without compromising company culture. The company focuses on cross\-cultural excellence to empower businesses to focus on expansion and growth. **About the role:** The Disclosure Analyst / Loan Risk Analyst will process rate lock and change\-of\-circumstance updates, issue Conditional Approvals and initial disclosure packages (including for down payment assistance programs), and maintain accurate HMDA reporting. This position requires close coordination with branches and cross\-functional teams to meet turnaround standards (SLAs), as well as daily management of email communications to ensure timely responses, follow\-up, and workflow efficiency. **Key Responsibilities:** * Review and confirm loan file data, including Loan Application, Good Faith Estimate, Truth\-In\-Lending and/or TRID, itemized fees and any applicable addendums. * Review and confirm revised loan data for rate locks/change of circumstances. * Complete the sending of rate locks/change of circumstances through pipelines. * Complete the sending of Conditional Approvals. * Work through disposition pipelines to stay within SLA’S. * Oversee daily email communications, including monitoring inbox activity, prioritizing messages, and ensuring timely responses and follow\-up. * Send initial disclosure packages for downpayment assistance programs * Complete HMDA reporting * Communicate with branches and other departments as needed to complete requests with SLA’S. **Requirements:** * Able to work \& thrive in a team environment. * Proficient in Microsoft Outlook, Excel, etc. * Excellent written and oral communication skills. * Analytical with good attention to detail. * Good judgment and the ability to work independently. * Ability to multitask, work well under time constraints and within deadlines. * Must have current working knowledge of applicable federal regulations, including knowledge of the RESPA Reg X, TILA\-Reg Z, TRID and other regulations related to mortgage disclosures. * 1\-2 years’ experience in residential mortgage lending. * Encompass Experience a Plus **What We Offer:** * $22k \- $25k gross salary * Full law benefits (20 days of Christman bonus at year, 37\.5% of vacation prime instead of 25%) * Punctuality and attendance bonus of $2,200 MXN tax free monthly * Excellence bonus of $1,000 MXN tax free * Medical Insurance ( major, minor and preventive) Tipo de puesto: Tiempo completo, Por tiempo indeterminado Sueldo: $22,000\.00 \- $24,000\.00 al mes Beneficios: * Días de maternidad superiores a los de la ley * Días de paternidad superiores a los de la ley * Programa de referidos * Seguro de gastos médicos Pregunta(s) de postulación: * Are you comfortable working in an onsite setting? * What's your salary expectation in mexican pesos and gross wisely? Idioma: * Inglés (B2 \- C1\) (Deseable) Lugar de trabajo: Empleo presencial