Disclosure Specialist I

First Merchants Bank is seeking a Disclosure Specialist I to join our team! This position will support daily operations by ensuring disclosure packages are completed accurately and provided to consumers in adherence with TRID (TILA-RESPA Information Disclosure) and additional federal, state and local disclosure regulations.

As part of this role you will:

1. Prepare and review initial disclosure packages including the LE (Loan Estimate).
2. Review disclosure related data entered within the LOS (Loan Origination System).
3. Ensure the proper delivery of the disclosure package to consumers via ESIGN, in person, or mail.




1. Update the LOS to document that the required disclosures were generated and provided to the consumer.
2. Prepare and review daily reports to confirm all disclosures have been processed timely.




4. Review files submitted for re-disclosure in adherence to regulatory compliance requirements and internal company policies and procedures.




1. Determine if a bona fide changed circumstance occurred by working with the processing, underwriting, and closing departments to determine the cause and timing of the changed circumstance.
2. Review fee changes to determine compliance with TRID changed circumstance and tolerance requirements.




5. Monitor and provide revised LEs within three (3) days of a changed circumstance (including rate locks) and update the LOS to document the changed circumstance and LE delivery timing.
6. Run automated compliance testing and escalate negative results to the Regulation and Compliance Department.

To be successful in this position, we require the following:

• High School Diploma or equivalent (GED).
• A minimum of one (1) year industry experience.

First Merchants offers the following:

• Base Pay PLUS Bonuses
• Medical, Dental and Vision Insurance
• 401k
• Health Savings and Flexible Spending Accounts
• Vacation/Sick Time
• Paid Holidays
• Paid Parental Leave
• Tuition Reimbursement
• Additional Benefits

A little about us:

First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.

Our Vision is:

To enhance the financial wellness of the diverse communities we serve.

Our Mission is:

To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.

Our Team:

"We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging."

Apply today to begin your career with us!