Loan Opener

NightOwl Consulting; United States; Remote; USD 55,000 - 85,000; Full time

Benefits offered by this job

Above market salary

HMO coverage

Paid leave incentives

Performance incentives

Quarterly events

Career training

Great culture

Job summary

NightOwl Consulting is seeking a Mortgage Loan Setup Specialist to streamline the front end of the mortgage process by handling third‑party orders, verifications, disclosures readiness, and pre‑processing file scrubs. This role ensures files are accurate, compliant, and fully documented so they move quickly from application to processing/underwriting.

Ideal candidates have 1–3 years in mortgage operations, familiarity with Encompass, ICE, DataVerify, and related vendors; strong attention to

Qualifications

• 1–3 years of mortgage operations experience in loan setup or processing.
• Experience with Encompass, ICE, DataVerify and related mortgage vendors.
• Strong attention to detail and ability to manage multiple files to SLA deadlines.

Responsibilities

• Process third‑party orders and verifications for mortgages.
• Coordinate EOIs, RCEs, WVOE/VVOE, VOM/VOR, and tax transcripts.
• Pull reports, verify data, and ensure TRID/ECOA readiness for disclosures.
• Coordinate title/escrow contacts and payoff requests.
• Maintain file data integrity and readiness for initial disclosures.

Skills

Mortgage operations

Data verification

Documentation accuracy

Time management

Communication

Problem solving

Spreadsheet proficiency

Tools

Encompass

ICE

DataVerify

Appraisal portals

Credit bureau portals

USPS tools

Job description

The Mortgage Loan Setup Specialist streamlines the front end of the mortgage process by completing all third‑party order-outs, verifications, initial disclosures readiness, and pre-processing file scrubs. This role ensures files are accurate, compliant, and fully documented so they can move quickly from application to processing/underwriting.

Key Responsibilities

• Third‑party orders and verifications
• Order Evidence of Insurance (EOI), Replacement Cost Estimator (RCE), and insurance invoices
• Obtain Written and Verbal Verifications of Employment (WVOE/VVOE)
• Request Verifications of Mortgage (VOM) and Verifications of Rent (VOR)
• Order IRS tax transcripts (4506‑C) and credit supplements
• Secure collection and debt payoff statements
• Order appraisal through approved AMCs
• Pull flood certifications
• Run DataVerify (or equivalent) reports
• Validate property address via USPS HOA/condo and insurance documentation
• Obtain Master Insurance and HOA certifications/questionnaires
• Coordinate condo project review/approval as required (agency/investor)
• Title and payoff coordination
• Request title work and manage title/escrow contacts
• Order mortgage payoffs and confirm demands align with closing timelines
• Compliance and disclosures readiness
• Prepare/mark files Ready to Send (RTS) for initial disclosure documents
• Confirm data integrity for TRID‑related fields prior to disclosure issuance
• File setup and data integrity
• Perform pre‑processing loan scrub; resolve data gaps and condition placeholders
• Complete and maintain accurate file contact details
• Enter and update loan scrub notes for downstream teams
• Rename/index documents to loan stacking order and LOS standards
• Pull and verify flood, USPS, and data‑validation outputs
• Ensure all order‑outs are tracked to SLA and follow up to clear exceptions

Skills Knowledge and Expertise

• 1–3 years of mortgage operations experience in loan setup, disclosures, or processing (preferred)
• Strong working knowledge of: Order‑outs: EOI, RCE, WVOE/VVOE, VOM/VOR, credit supplements, transcripts (4506‑C), flood certs, appraisal ordering, title requests, payoffs HOA/condo documentation (master insurance, HOA certs, condo project eligibility) TRID/ECOA basics and initial disclosure readiness requirements Loan Origination Systems (e.g., Encompass, ICE), appraisal and credit bureau portals, DataVerify (or similar), flood vendors, USPS tools
• High attention to detail with excellent document indexing and data-entry accuracy
• Strong time management; able to prioritize multiple files and meet SLAs
• Clear written and verbal communication with borrowers, lenders, title/escrow, HOAs, AMCs, and insurance agents
• Problem-solving mindset to resolve documentation gaps and exceptions quickly
• Proficiency with spreadsheets and checklists for pipeline tracking and follow‑ups

Benefits

• Above market salary
• HMO with free dependent
• Paid leave incentives
• Performance based Incentives
• Quarterly Company Events
• In‑depth training for career growth
• Great Company Culture and HR experience