Disclosure Specialist

6 days ago

Mandaluyong City, National Capital Region, Philippines Emapta Full time ₱500,000 - ₱1,200,000 per year

Fuel Mortgage Compliance Excellence

Deadlines. Disclosures. Data that demands precision. Handle U.S. mortgage files from home, ensure compliance across borders, and be the local expert powering international homeownership dreams.

Job Description

As a Disclosure Specialist, you'll be responsible for managing initial and re-disclosures, ensuring strict compliance with U.S. mortgage regulations. This role demands accuracy, speed, and deep regulatory knowledge to support timely and compliant loan processing within a high-performing international team.

Job Overview

Employment type: Full-Time

Shift: Night Shift

Work setup: Temporary Work from Home, Ortigas

Exciting Perks Await

  • Day 1 HMO coverage with free dependent
  • Competitive Salary Package
  • Sign-on bonus
  • Night differential pay to maximize your earnings
  • Temporary WFH arrangement
  • Prime office location in Ortigas (Easy access to MRT stations, restaurants, and banks)
  • 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

The Qualifications We Seek

  • High school diploma or equivalent
  • 1-2 years of hands-on experience handling U.S. mortgage disclosures, including Loan Estimates (LE) and Closing Disclosures (CD)
  • Familiarity with U.S. income calculation.
  • Solid understanding of TRID guidelines and U.S. mortgage compliance regulations
  • Minimum 1 year of experience in closing, post-closing, loan processing, or real estate documentation in a title company or financial institution
  • Strong written and verbal communication skills for collaborating with internal teams and clients
  • Proven ability to identify issues and resolve them independently and proactively
  • Excellent time management and organizational skills with strong attention to detail
  • Ability to meet deadlines in a high-volume, fast-paced, process-driven work environment

Your Daily Tasks

  • Manage and send mortgage disclosures on behalf of the Account Management team
  • Handle all re-disclosures as they arise and are flagged by the Processor or Lock Desk
  • Validate whether a change of circumstance exists and requires re-disclosure
  • Process and send updated disclosures to borrowers within 24 hours of receiving the request
  • Review reports to ensure that all loans requiring re-disclosure are identified and addressed
  • Immediately notify the Supervisor/Manager of any loans that are out of compliance for re-disclosure
  • Maintain exceptional service by demonstrating thorough knowledge of TRID, RESPA policies, procedures, and regulatory requirements while upholding professional ethics
  • Stay up-to-date with all mortgage-related regulations and industry changes
  • Ensure compliance with company policies and all applicable federal, state, and local laws, regulations, and ordinances
  • Perform other related duties as required to support compliance and operational efficiency

About the Client

Our client, American Financial Network, Inc. (AFN), is one of the fastest-growing mortgage bankers in the U.S., serving the home financing needs of communities nationwide since 2001. Headquartered in Brea, CA, AFN is a Direct Lender with full in-house capabilities, built on a reputation for streamlined operations, high standards, and a strong family-oriented culture. Their executive leadership brings over 200 years of combined industry experience, fueling consistent national expansion and a dedication to helping clients and employees succeed.

Who Are We

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. Apply now and be part of the #EmaptaEra

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