Post-Closing Disclosure Auditor

Post-Closing Disclosure Auditor

Department: NightOwl Internal

Employment Type: Full Time

Location: Back Office

Compensation: ₱40,000 - ₱55,000 / month

Description

The Post-Closing Disclosure Auditor is responsible for reviewing and auditing mortgage loan files after closing to ensure compliance with federal, state, and company guidelines. This role plays a critical part in verifying the accuracy of disclosures and documentation to minimize risks and maintain regulatory standards.

Key Responsibilities

• Review post-closing loan files to ensure all required disclosures are accurate, complete, and compliant with applicable laws and company policies.
• Audit closing documents for accuracy, ensuring consistency with initial and revised loan estimates and final closing disclosures.
• Verify that fees and charges comply with TRID, RESPA, and other relevant regulatory guidelines.
• Identify and document any discrepancies, omissions, or compliance violations, and communicate findings to the appropriate departments.
• Collaborate with post-closing, compliance, and quality control teams to resolve audit findings and implement corrective actions.
• Maintain detailed records of audits performed and ensure timely completion of assigned tasks.
• Stay updated on changes in industry regulations and best practices to maintain compliance and improve auditing procedures.
• Provide training and guidance to junior auditors or team members as needed.

Skills, Knowledge and Expertise

• Bachelor’s degree in Business, Finance, or a related field (or equivalent experience).
• Minimum of [2] years of experience in post-closing, mortgage auditing, or related fields.
• Strong knowledge of TRID, RESPA, TILA, and other regulatory compliance requirements.
• Exceptional attention to detail and analytical skills.
• Ability to handle sensitive and confidential information with integrity.
• Proficient in Microsoft Office Suite and familiarity with mortgage loan origination and auditing software.
• Strong communication and problem-solving skills.

Benefits

• Above market salary
• HMO on Day 1 for principal and two dependents
• Government-mandated benefits
• Performance-based Incentives
• Quarterly Company Events
• In-depth training for career growth
• Great Company Culture and HR experience
• 1,000 PHP De Minimis
• Equipment and software provided

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