Post-Closing Closing Disclosure Specialist

NightOwl Consulting Philippines Inc.; Philippines; On-site; PHP 279,000 - 390,600; Full time

Benefits offered by this job

Above market salary

HMO on Day 1

Government-mandated benefits

Performance-based Incentives

Quarterly Company Events

1,000 PHP De Minimis

Equipment and software provided

Job summary

NightOwl Consulting Philippines Inc. is seeking a meticulous Post-Closing CD Specialist to ensure regulatory compliance and accuracy of Closing Disclosures after loan closing. You will review, audit, and validate CDs, confirm fees, and deliver documents to required parties.

The ideal candidate has at least 2 years in mortgage post-closing or compliance, with TRID knowledge and experience with ALTA/HUD-1. Proficiency with Encompass LOS is preferred and you should be highly organized and able to

Qualifications

• 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 (ALTA/HUD-1).
• Experience with LOS platforms such as Encompass is strongly preferred.
• Excellent attention to detail, organizational, and time management skills, plus strong written and verbal communication.

Responsibilities

• Review final Closing Disclosures (CDs) for accuracy, completeness, and TRID compliance.
• Confirm that closing costs, credits, and disbursements are reflected and supported by settlement statements.
• Ensure timely delivery of CDs to borrowers and required parties per regulations.
• Reconcile discrepancies between final settlement statement and CDs; produce PCCDs as needed.
• Upload corrected or final CDs into LOS and investor portals.
• Track missing or trailing settlement statements; coordinate with settlement agents.
• Support audit and QC teams with CD documentation requests.
• Maintain logs and reporting for post-closing CD tracking and performance metrics.
• Escalate compliance risks or unresolved CD issues to management.

Skills

TRID knowledge

Closing Disclosures

Attention to detail

Time management

Communication skills

Independent worker

Education

High school diploma or equivalent

Associate degree or higher

Bachelor’s degree preferred

Tools

Encompass LOS

ALTA/HUD-1 review

Job description

Department: Operations
Location: Client
Compensation: ₱25,000 - ₱35,000 / month

We are seeking a highly meticulous and deadline-driven Post-Closing Closing Disclosure (CD) Specialist to support the integrity and compliance of final loan documentation after closing. This role is primarily responsible for reviewing, auditing, and validating Closing Disclosures to ensure regulatory compliance (e.g., TRID), accuracy in fee disclosures, and proper delivery to all required parties. The ideal candidate will be experienced in mortgage post-closing procedures, with a strong understanding of CD regulations, investor requirements, and document control best practices.

Key Responsibilities

• 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.

Skills, Knowledge and Expertise

• 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