US Mortgage Post Closing Specialist

2 weeks ago

Manila, National Capital Region, Philippines NightOwl Consulting Full time
US Mortgage Post Closing Specialist (Work From Home)

Department: Operations

Employment Type: Full Time

Location: Bank Operations

Compensation: ₱50,000 - ₱65,000 / month

Description

The Post Closing Specialist is crucial in coordinating the resolution of deficiencies identified by investors during the purchase review process. This role involves in-depth research of loan files to address ambiguities, collaboration with various departments to secure necessary documentation, and managing investor exceptions to ensure timely clearance of loans for purchase. The specialist will utilize Investor sites and the LOS system to handle daily suspense reports, upload documentation, and monitor the status of conditioned loans in the pipeline.

Key Responsibilities
  1. Deficiency Resolution: Review investor loan deficiencies and resolve them without involving the underwriter, branch, or borrowers.
  2. Pipeline Management: Conduct daily reviews of investor loan pipelines to identify suspended loans requiring remediation.
  3. Documentation Analysis: Validate all suspense conditions and provide resolutions by the specified cure date. Clarify documentation requirements with investors as needed.
  4. Collaboration: Work with internal departments, external partners, and borrowers to obtain necessary documentation promptly.
  5. Audit Response: Prepare formal written responses to agencies and investors when audits reveal deficiencies.
  6. Tracking and Reporting: Accurately track and record all events and communications related to loan files. Monitor daily condition reports from investors for updates on deficient loans or new conditions.
  7. Monitoring: Track aged loans in the active pipeline until they are purchased by the investor.
  8. Guideline Adherence: Maintain a strong understanding of Agency and Investor guidelines and overlays.
  9. Production Goals: Meet daily production goals set by management and adhere to internal SLA timelines.
  10. Customer Confidence: Provide ongoing quality service and maintain confidentiality of all files and information.
Skills, Knowledge and Expertise
  1. Experience: Minimum of 5 years' experience in recent mortgage closing and/or post-closing activities.
  2. Knowledge: Extensive knowledge of Regulatory and Investor guidelines for various loan programs.
  3. Skills: Strong organizational, analytical, communication, and interpersonal skills. Ability to meet deadlines, multi-task, and adjust priorities as necessary. Excellent judgment and decision-making skills.
  4. Customer Service: Excellent customer service skills, with the ability to maintain customer confidence through quality service.
  5. Technical Proficiency: Proficient in Microsoft Office Suite. ENCOMPASS LOS knowledge is a plus.
  6. Attention to Detail: Demonstrated experience with attention to detail, written and oral communication, multi-tasking, and working in a team atmosphere while adhering to strict deadlines.
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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