Fine Print, Big Impact: Shape Mortgage Deals

In the fast-paced world of mortgage lending, timing is everything—and our client delivers. As a powerhouse in residential home financing, they ensure seamless transactions by underwriting, funding, and servicing loans with precision. Built on efficiency, integrity, and expertise, they not only help families secure homes but also provide professionals with a career path that leads to lasting success.

Job Description

As a Disclosure Specialist, you will manage and send mortgage disclosures for the Account Management team, ensuring compliance with regulations. You will handle re-disclosures, validate changes in circumstances, and process updated disclosures within strict deadlines. Your role ensures accuracy, adherence to policies, and seamless loan processing in a fast-paced mortgage lending environment.

Job Overview

Employment type: Full-time

Shift: Night Shift (Tuesday – Saturday, 12:00 AM – 9:00 AM, Consecutive days off)

Work setup: Temporary Work From Home, Any Emapta PH Site

Exciting Perks Await!

• HMO coverage with free dependent upon regularization
• Competitive Salary Package with sign-on bonus
• Temporary WFH arrangement
• Consecutive days off
• Prime office locations (Easy access to MRT stations, restaurants, and banks)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit https://bit.ly/EmaptaTrainingCalendar)
• 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 experience in U.S. mortgage disclosure, specifically handling Loan Estimates (LE) and Closing Disclosure (CD) fees.
• Knowledge of TRID guidelines and mortgage compliance regulations to ensure accuracy and adherence to industry standards.
• At least 1 year of experience in closing, post-closing, processing, or real estate documentation within a title company or financial institution.
• Strong written and verbal communication skills to effectively interact with internal teams and clients.
• Proven ability to identify and resolve problems proactively.
• Excellent time management skills with strong attention to detail.
• Ability to thrive in a fast-paced, process-driven environment while maintaining accuracy.
• Highly organized with the ability to plan, prioritize, and meet production deadlines.

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.

Welcome to Emapta Philippines!

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. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and discover the #EmaptaExperience!

Please refer to job description.