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NightOwl ConsultingNC

Post-Closing Closing Disclosure 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: 300k-420k PHP

Philippines only

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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

About the job

Apply before

Posted on

Job type

Full Time

Experience level

Salary

Salary: 300k-420k PHP

Education

High school

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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