Job Description
Shape Your Future in Mortgage Solutions: A Career That Works for You
In the ever-evolving mortgage industry, every detail matters. Step into a role where your expertise in regulatory compliance and loan accuracy ensures smooth post-closing processes. This opportunity offers more than just career growth-it's your chance to balance precision-driven work with a fulfilling personal life. Build your future, one closing at a time.
Job Description
As a Post Closing TRID Specialist, you'll ensure compliance and accuracy in mortgage loan documentation, liaise with internal teams and investors, and maintain customer confidence through expert service and meticulous record-keeping. Your role will be pivotal in achieving timely and compliant mortgage post-closing processes.
Job Overview
Employment type: Full-Time
Shift: Night Shift, Monday-Friday, 8:00 PM-5:00 AM
Work setup: Onsite, Makati City
Perks: Day 1 HMO, Above-market salary, Work-life balance, Weekends Off
Your Daily Tasks
- Review, analyze, and research investor deficiencies to ensure timely remediation.
- Monitor suspended closed loan pipelines requiring issuance of Post Consummation Closing Disclosures (CDs).
- Obtain clarity from investors to identify documentation needed for curing defects.
- Conduct due diligence reviews of assigned TRID conditions to verify mortgage loan disclosures for accuracy and regulatory compliance.
- Compare Loan Estimate and Closing Disclosure documentation for errors and make necessary corrections to align with state and federal regulations.
- Verify and reconcile final fees against the Final Settlement Statement for accurate issuance of Post Consummation CDs.
- Prepare and send Post Consummation CDs via Encompass or US Mail, including refunds when applicable.
- Collaborate with internal departments to obtain documentation for curing deficient loans within established timelines.
- Prepare formal written responses to investors to dispute invalid conditions.
- Accurately track and document all events and communications related to loan files.
- Monitor LOS systems for updates on deficient loans or new conditions as received.
- Maintain a strong understanding of agency and investor guidelines, along with overlays.
- Consistently meet daily production goals and adhere to SLA timelines.
- Maintain customer confidence by delivering quality service and safeguarding file confidentiality.
- Demonstrate exceptional attention to detail, communication skills, multi-tasking, and teamwork while adhering to strict deadlines.
Requirements
The Qualifications We Seek
- Minimum of 5 years of experience in recent mortgage closing and/or post-closing activities, with extensive knowledge of regulatory and investor guidelines for various loan programs.
- Proven ability to meet deadlines, multi-task, and adjust priorities as needed in a dynamic environment.
- Strong organizational, analytical, communication, and interpersonal skills, with the ability to collaborate effectively with all levels of management and third-party vendors.
- Independent worker with exceptional attention to detail, judgment, and decision-making skills.
- Excellent customer service skills.
- Exceptional written and verbal communication skills.
- Proficiency in using Microsoft Office Suite.
Benefits
Exciting Perks Await!
- Day 1 HMO coverage with free dependent
- Competitive Salary Package
- Prime office location in Makati City (Easy access to MRT stations, restaurants, and banks)
- Fixed weekends off
- Unlimited upskilling through Emapta Academy courses (Want to know more Visit )
- Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
- Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
- Unlimited opportunities for employee referral incentives across the organization
- Standard government and Emapta benefits
- Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
- Fun engagement activities for employees
- Mentorship and exposure to global leaders and teams
- Career growth opportunities
- Diverse and supportive work environment
About the Client: Guiding Dreams Home: Your Partner in Mortgage Excellence
Our client is a nationally recognized leader in the mortgage industry, dedicated to providing tailored financial solutions for homebuyers and homeowners. With an unwavering commitment to innovation, exceptional customer service, and industry expertise, they deliver comprehensive lending solutions that meet diverse needs. Their team-driven approach fosters a supportive, dynamic environment where talent thrives, making them a top choice for professionals seeking to elevate their careers in the mortgage space.
Who Are We
At Emapta, we pride ourselves on offering more than just a job-we provide a lifestyle. Enjoy the perfect work-life balance with our flexible arrangements, empowering you to excel personally and professionally. Gain exposure to diverse industries and exciting global opportunities, all while thriving in an environment that values your dedication.
Take your career to new heights with competitive compensation, enriching projects, and a vibrant culture that supports growth and camaraderie. Apply now and experience the #EmaptaExperience!
