Trust/Entity Review Specialist

NightOwl Consulting Philippines Inc.; Philippines; On-site; PHP 669,600 - 837,000; Full time

Benefits offered by this job

Above market salary

HMO on Day 1 for principal and two:Dep

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 Trust and Entity Review Specialist to verify borrower entity documentation (LLCs, partnerships, corporations, trusts) for compliance with underwriting standards. You will ensure documents are proper, authorized, and ready for underwriting or funding.

The role requires strong attention to detail, understanding of business/trust structures, and familiarity with Non-QM and Non-Agency lending guidelines. Location is client-site in the Philippines.

Qualifications

• High school diploma or equivalent required; Associate’s or Bachelor’s degree in Business, Legal Studies, Finance, or related field preferred.
• Minimum 2 years of experience in mortgage operations or underwriting, with Non-QM or Non-Agency product experience strongly preferred.
• Proficient in reviewing and interpreting a variety of business and trust entity documents.
• Familiarity with Non-QM underwriting processes and applicable agency and investor requirements.
• Highly detail-oriented with excellent analytical and documentation skills.
• Strong written and verbal communication skills.

Responsibilities

• Review and validate documentation for LLCs, Corporations, Partnerships, and Trusts, including but not limited to: Articles of Organization/Incorporation, Operating Agreements, Partnership Agreements, Trust Agreements, Corporate Resolutions, EIN documentation, and Certificates of Good Standing.
• Confirm that business entities and trusts are valid, active, and properly documented and registered as applicable.
• Ensure authorized signers and trustees are clearly identified and have authority to act on behalf of the entity or trust.
• Identify missing, inconsistent, or non-compliant documentation, and communicate with internal teams to resolve issues promptly.
• Analyze entity and trust structures to ensure alignment with internal policies and applicable agency and investor guidelines.
• Collaborate closely with underwriters, processors, and closers to ensure entity and trust documentation is complete prior to loan decision or funding.
• Maintain accurate documentation logs and support QC and post-close audit efforts related to entity and trust eligibility.
• Stay informed of updates to agency and investor guidelines, compliance standards, and internal procedures impacting entity and trust borrowers.
• Support internal team training and act as a subject matter resource for trust and entity documentation-related questions.

Skills

Mortgage operations

Non-QM underwriting

Document review

Entity/trust docs

Attention to detail

Communication

Independent work

Encompass

Microsoft Office

Legal documentation familiarity

Education

High school diploma

Associate/Bachelor preferred

Tools

Encompass

Microsoft Office

Adobe PDF tools

Job description

Description

The Trust and Entity Review Specialist is a critical part of the Non-Agency/Non-QM mortgage process, responsible for reviewing and validating borrower entity documentation, including Limited Liability Companies (LLCs), Partnerships, Corporations, and Trusts—to ensure compliance with internal underwriting standards and applicable agency and investor guidelines. This role ensures all entity and trust structures are appropriately documented, authorized, and compliant before loans move forward to underwriting or closing. The ideal candidate has strong attention to detail, solid understanding of business and trust structures, and familiarity with Non-QM and Non-Agency lending requirements.

Department: Operations

Location: Client

Compensation: ₱60,000 - ₱75,000 / month

Key Responsibilities

• Review and validate documentation for LLCs, Corporations, Partnerships, and Trusts, including but not limited to: Articles of Organization/Incorporation, Operating Agreements, Partnership Agreements, Trust Agreements, Corporate Resolutions, EIN documentation, and Certificates of Good Standing.
• Confirm that business entities and trusts are valid, active, and properly documented and registered as applicable.
• Ensure authorized signers and trustees are clearly identified and have authority to act on behalf of the entity or trust.
• Identify missing, inconsistent, or non-compliant documentation, and communicate with internal teams to resolve issues promptly.
• Analyze entity and trust structures to ensure alignment with internal policies and applicable agency and investor guidelines.
• Collaborate closely with underwriters, processors, and closers to ensure entity and trust documentation is complete prior to loan decision or funding.
• Maintain accurate documentation logs and support QC and post-close audit efforts related to entity and trust eligibility.
• Stay informed of updates to agency and investor guidelines, compliance standards, and internal procedures impacting entity and trust borrowers.
• Support internal team training and act as a subject matter resource for trust and entity documentation-related questions.

Skills, Knowledge and Expertise

• High school diploma or equivalent required; Associate’s or Bachelor’s degree in Business, Legal Studies, Finance, or related field preferred.
• Minimum 2 years of experience in mortgage operations or underwriting, with Non-QM or Non-Agency product experience strongly preferred.
• Proficient in reviewing and interpreting a variety of business and trust entity documents.
• Familiarity with Non-QM underwriting processes and applicable agency and investor requirements.
• Highly detail-oriented with excellent analytical and documentation skills.
• Strong written and verbal communication skills.
• Ability to work independently in a fast-paced, deadline-driven environment.
• Proficiency in mortgage LOS platforms (e.g., Encompass) and standard office applications (Microsoft Office, Adobe PDF tools, etc.).
• Familiarity with legal documentation for trusts or other complex entity structures is a plus.
• Prior experience validating signer authority for corporate, partnership, and trust entities.
• Understanding of Secretary of State business search tools and public entity verification processes.

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