SIDNEY WARD
Phoenix
Summary
Compliance specialist and Mortgage Closer with strong expertise in loan documentation and regulatory guidelines. Proven track record in ensuring accuracy and resolving discrepancies, leading to improved customer communication and satisfaction. Skilled TRID Compliance Disclosure Specialist and Closing Disclosure Specialist with experience in document verification and compliance assessment. Successful in preparing precise loan disclosures and collaborating with various departments to meet regulatory standards.
Overview
14
14
years of professional experience
Work History
TRID COMPLIANCE DISCLOSURE SPECIALIST
THE FEDERAL SAVINGS BANK
SCOTTSDALE
10.2025 - Current
- Assessed disclosure documents to ensure compliance with regulatory guidelines.
- Prepared loan disclosures to enhance communication efficiency with customers.
- Distributed disclosures promptly, adhering to established regulations.
- Verified accurate completion of required disclosures prior to filing deadlines.
- Collaborated across departments on new and revised disclosure requirements.
- Trid Tolerances and Cures.
Closing Disclosure Specialist
FAIRWAY INDEPENDENDT MORTGAGE CORPORATION
Birmingham
05.2016 - 08.2022
- Prepared closing disclosures according to regulatory guidelines and company policies.
- Reviewed loan documents for accuracy and completeness before finalization.
- Communicated with lenders and clients to gather necessary information for disclosures.
- Assisted in resolving discrepancies between loan estimates and closing disclosures.
- Generated accurate Closing Disclosures according to customer specifications within established deadlines.
- Verified accuracy of all closing costs associated with each loan file.
- Reviewed loan documents for accuracy and completeness prior to the creation of Closing Disclosures.
- Prepared Closing Disclosures in accordance with applicable laws and regulations.
MORTGAGE CLOSER
BBVA COMPASS BANK
TEMPE
05.2012 - 05.2016
- Reviewed loan documents for accuracy and compliance with regulations.
- Coordinated with lenders and clients to finalize mortgage closings.
- Communicated clearly with all parties involved in the closing process.
- Ensured proper documentation was collected and organized for closings.
- Prepared closing documents and collected all necessary signatures.
- Managed and resolved concerns, problems or issues to avoid closing delays.
- Reviewed title commitment and insurance policies to support pre-closing documentation.
- Handled pipeline of active deals in closing stage.
Education
Some College (No Degree) - Computer Science
Cerritos College
Norwalk, California, CASkills
- Compliance assessment and regulatory knowledge
- Document verification and preparation
- Loan document analysis
- Customer relationship management
- Problem resolution
- Time management
- Accuracy focus
- Compliance training
- knowledge and use of Encompass
Timeline
TRID COMPLIANCE DISCLOSURE SPECIALIST
THE FEDERAL SAVINGS BANK
10.2025 - Current
Closing Disclosure Specialist
FAIRWAY INDEPENDENDT MORTGAGE CORPORATION
05.2016 - 08.2022
MORTGAGE CLOSER
BBVA COMPASS BANK
05.2012 - 05.2016
Some College (No Degree) - Computer Science
Cerritos College