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Post-Closing Disclosure Specialist
Location
Philippines
Posted
4 days ago
Salary
₱25K - ₱35K / month
Seniority
Mid Level
Job Description
Post-Closing Disclosure Specialist
NightOwl Consulting
• Review final Closing Disclosures (CDs) for accuracy, completeness, and compliance with TRID and investor guidelines. • Confirm that all closing costs, credits, and disbursements are accurately reflected and supported by settlement statements. • Ensure timely delivery of CDs to borrowers and necessary parties per federal and state regulations. • Reconcile any discrepancies between the final settlement statement and CD's signed consummation, and produce and send a PCCD as needed/required. • Upload corrected or final versions of CDs into the Loan Origination System (LOS) and investor portals. • Track and manage missing or trailing settlement statement and coordinate follow-up with settlement agents. • Support audit and quality control teams with documentation requests related to CDs. • Maintain accurate logs and reporting for post-closing CD tracking and performance metrics. • Escalate compliance risks or unresolved CD issues to management for further review.
Job Requirements
- High school diploma or equivalent required; associate or bachelor’s degree preferred.
- Minimum 2 years of mortgage industry experience, preferably in closing, post-closing, or compliance.
- Strong knowledge of Closing Disclosures, TRID requirements, and fee tolerance rules.
- Experience working with title/escrow companies and reviewing settlement statements (e.g., ALTA/HUD-1).
- Experience with LOS platforms such as Encompass is strongly preferred.
- Excellent attention to detail, organizational, and time management skills.
- Strong written and verbal communication skills.
- Ability to work independently and handle time-sensitive documents with accuracy.
Benefits
- Above market salary
- HMO on Day 1 for principal and two dependents
- Government-mandated benefits
- Performance-based Incentives
- Quarterly Company Events
- 1,000 PHP De Minimis
- Equipment and software provided
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