Scott Stretch
Irvine
Summary
Detail-driven Mortgage Disclosure Specialist and Finance graduate with 7 years preparing and reviewing up to 300 loan disclosures per month across VA, FHA, and Conventional products. Experienced in analyzing, reviewing, and correcting loan pricing — including interest rates, points, and fee structures — to ensure accuracy before disclosure. Strong record of regulatory compliance, data accuracy, and meeting strict federal disclosure deadlines while coordinating across loan operations teams to keep files on track to close.
Overview
14
14
years of professional experience
Work History
Mortgage Disclosure Specialist
ClearPath Lending
01.2019 - 06.2026
- Prepared, reviewed, and issued initial and revised loan disclosures—including Loan Estimates and Closing Disclosures—in full compliance with TRID (TILA-RESPA Integrated Disclosure) requirements.
- Disclosed and worked loans with amounts ranging from $100,000 to $4 million across VA, FHA, and Conventional loan products, processing as many as 100–300 loans per month over seven years.
- Ensured every loan file adhered to federal and state lending regulations, including RESPA, TILA, ECOA, and HMDA, protecting the company against regulatory and compliance risk.
- Audited fees, APR calculations, and loan terms for accuracy prior to disclosure, catching discrepancies before documents reached the borrower.
- Analyzed, reviewed, and corrected loan pricing — including interest rates, points, and fee structures — to ensure accuracy and compliance before disclosure issuance.
- Tracked changed circumstances and re-disclosed within required regulatory timeframes, consistently meeting strict three-day delivery deadlines under a heavy monthly caseload.
- Coordinated daily with loan officers, processors, and underwriters—working across Encompass, BlinkLOS, Covius, and the VA Portal—to resolve documentation issues and keep loans moving toward on-time closings.
Counselor, Club J After School Program
Merage Jewish Community Center
01.2018 - 01.2019
- Counseled elementary-level (K–5th) students across a variety of enrichment classes in an after-school setting, fostering a positive and supportive environment.
Teacher
Irvine Public Schools Foundation
01.2017 - 01.2019
- Implemented developmentally appropriate learning experiences for an all-day class of 30 students across different grades.
- Collaborated with peers to plan and deliver curriculum promoting student learning and progression in physical education.
- Communicated and collaborated with parents and support staff, providing feedback on student performance.
P.E. Paraprofessional
Irvine Unified School District
01.2015 - 01.2019
- Managed physical education activities school-wide (900 students) and interfaced with all teachers and staff.
- Prepared and implemented unit plans and daily lesson plans for students in 1st–6th grade.
- Led, monitored, and oversaw classes of 30+ students through drills, warm-up stretches, practices, and games.
- Demonstrated and analyzed basic skills, strategies, and fundamentals of body movement across formal sports, games, and rhythm activities.
- Observed and managed student behavior according to approved policies and procedures.
- Maintained cooperative working relationships and communicated effectively with students, staff, and parents.
Instructional Assistant / Supervisor
Irvine Unified School District
01.2012 - 01.2015
- Performed office support and classroom activities including preparing instructional materials, building Excel spreadsheets, and maintaining student records, attendance, and files.
- Assisted teaching staff with the development and presentation of learning materials and instructional exercises.
Education
Bachelor of Science - Business Administration — Concentration in Finance
California State University, Fullerton
Fullerton, CA06.2018
Associate of Science - Business Administration
Irvine Valley College
Irvine, CA06.2015
Associate of Arts - Social and Behavioral Sciences
Irvine Valley College
Irvine, CA06.2014
Skills
- Regulatory Compliance
- Loan Origination Systems
- Attention to Detail
- Loan Pricing Analysis & Correction
- Deadline & Time Management
- Data entry
- Risk assessment
- Audit documentation
- Team Player
Timeline
Mortgage Disclosure Specialist
ClearPath Lending
01.2019 - 06.2026
Counselor, Club J After School Program
Merage Jewish Community Center
01.2018 - 01.2019
Teacher
Irvine Public Schools Foundation
01.2017 - 01.2019
P.E. Paraprofessional
Irvine Unified School District
01.2015 - 01.2019
Instructional Assistant / Supervisor
Irvine Unified School District
01.2012 - 01.2015
Associate of Science - Business Administration
Irvine Valley College
Associate of Arts - Social and Behavioral Sciences
Irvine Valley College
Bachelor of Science - Business Administration — Concentration in Finance
California State University, Fullerton