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NightOwl ConsultingNC

HMDA Specialist

NightOwl Consulting Philippines Inc. is a Global Business Service (GBS) provider connecting companies with world-class talent in the Philippines, offering customized outsourcing solutions with a focus on client partnership and employee well-being.

NightOwl Consulting

Employee count: 51-200

Salary: 480k-660k PHP

Philippines only

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We are seeking a detail-oriented, analytical, and experienced HMDA Specialist to join our team. In this role, you will be responsible for ensuring the accurate collection, validation, and reporting of loan data in compliance with the Home Mortgage Disclosure Act (HMDA). This position requires deep familiarity with the mortgage origination process and a strong ability to interpret complex regulatory requirements.

Key Responsibilities

  • Review, analyze, and validate loan application data for HMDA reporting compliance.
  • Maintain data integrity and ensure timely submission of the LAR (Loan Application Register).
  • Identify and resolve HMDA data discrepancies across loan files and systems.
  • Monitor the accuracy of demographic, disposition, and transactional data in Encompass.
  • Collaborate with internal teams including processing, underwriting, and compliance to ensure HMDA-related issues are properly documented and resolved.
  • Generate ad hoc reports from Encompass as needed to support audits, quality control, and operational needs.
  • Stay up-to-date with changes to HMDA regulation and advise the team accordingly.
  • Assist with internal and external audits or regulatory examinations related to HMDA compliance.
  • Support ongoing training and education of staff to promote HMDA awareness and compliance best practices.

Skills, Knowledge and Expertise

  • Proficiency in Encompass and strong understanding of its functionality as it relates to HMDA data.
  • Intermediate Microsoft Excel skills including:
  1. Adding columns and reformatting spreadsheets
  2. Filtering data
  3. Performing basic formulas (subtraction, IF statements, VLOOKUP)
  • Strong understanding of the mortgage origination process, from application through processing, underwriting, and closing
  • Familiarity with loan documentation and the data fields critical to HMDA reporting.
  • Solid knowledge of the adverse loan process, including:
  1. Denials
  2. Withdrawn applications
  3. Closed for incompleteness
  4. Approved but not accepted transactions
  • Ability to think critically and solve problems creatively, without full reliance on a predefined checklist or process.
  • High attention to detail and accuracy.
  • Excellent written and verbal communication skills.
  • Ability to work independently while collaborating cross-functionally within the organization.
  • 2+ years of direct HMDA reporting experience within a mortgage lending environment.
  • Prior experience in a compliance, quality control, or mortgage operations role.
  • Familiarity with additional compliance regulations (e.g., ECOA, RESPA, TRID) is a plus.

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

About the job

Apply before

Posted on

Job type

Full Time

Experience level

Salary

Salary: 480k-660k PHP

Experience

2 years minimum

Location requirements

Hiring timezones

Philippines +/- 0 hours

About NightOwl Consulting

Learn more about NightOwl Consulting and their company culture.

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NightOwl Consulting Philippines Inc. was established with a foundational desire to deliver enhanced services for both its clients and its employees. As a Global Business Service (GBS) provider, the company focuses on offering next-level support that combines extraordinary production with operational ease. NightOwl Consulting prides itself on its firsthand experience in customizing business pathways to create a comprehensive team experience at a reduced cost, exemplifying its capacity to build out significant team structures, such as a 12-man team, at the cost equivalent of two traditional hires. The company's mission is centered on connecting businesses with world-class talent, while its vision is to cultivate a global family that aspires to achieve its highest potential. The founders conceptualized NightOwl to be more than a conventional Business Process Outsourcing (BPO) firm, positioning it as a GBS provider dedicated equally to client success and employee well-being, fostering an environment of continuous growth and development.

The core philosophy at NightOwl Consulting is to redefine the landscape of GBS by intertwining excellence with unwavering integrity. This approach was born from the founders' own experiences as clients of BPO firms, where they identified a lack of true partnership—one where employee welfare mirrored the dedication to client satisfaction. This realization led to the inception of NightOwl, where nurturing a culture where every team member feels heard and genuinely valued is paramount. The company's overarching mission is to democratize access to premium BPO services, making outsourcing a viable option for enterprises of all scales. Drawing from their client-side experiences, they pinpointed a gap in the traditional BPO model and envisioned a more holistic approach. This vision materialized into a company where client collaboration is a core principle, not just a buzzword. NightOwl Consulting is committed to forging close partnerships, comprehensively understanding unique client needs, and meticulously tailoring solutions to align seamlessly with their objectives. They position themselves as steadfast allies, diligently working alongside clients and their teams to navigate challenges and propel them towards their goals.

NightOwl Consulting emphasizes a 'white glove' experience for outsourcing, particularly for companies looking to hire overseas talent, primarily in the Philippines. Their process is designed to be high-touch, alleviating common client pain points associated with outsourcing. This includes pre-screening candidates, conducting IQ and personality tests, interviewing on behalf of clients, and providing training before onboarding. The company's guiding principle is to help businesses leverage the benefits of outsourcing without needing to become outsourcing experts themselves. They offer a transparent cost-plus pricing model, aiming for clients to save significantly per role. Employees hired through NightOwl work full-time and exclusively for their respective clients. The company supports various work setups, with a popular option being work-from-home arrangements. Core values such as GRIT, GROWTH, FUN, and FAMILY underpin all their operations, fostering a 'Can Do, Will Do' spirit that encourages pushing beyond conventional business practices.

Employee benefits

Learn about the employee benefits and perks provided at NightOwl Consulting.

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Above market salary

Competitive compensation.

Quarterly Company Events

Regular company gatherings.

Paid leave incentives

Incentives for paid time off.

Performance based Incentives

Incentives based on performance.

View NightOwl Consulting's employee benefits
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NightOwl Consulting

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