Loan Opener - remote job

NightOwl Consulting is hiring a Loan Opener. The role sits in Other jobs and is fully remote. The company places no restriction on where the candidate lives, so you can apply from anywhere.

The employer published the pay: 25k - 35k PHP a month. The advert sets no condition on working hours.

This vacancy passed an automated check: the list excludes any advert requiring a foreign work permit, visa sponsorship, a particular citizenship, or residence in a specific country.

The Mortgage Loan Setup Specialist streamlines the front end of the mortgage process by completing all third‑party order-outs, verifications, initial disclosures readiness, and pre-processing file scrubs. This role ensures files are accurate, compliant, and fully documented so they can move quickly from application to processing/underwriting. Key Responsibilities

* Third‑party orders and verifications

* Order Evidence of Insurance (EOI), Replacement Cost Estimator (RCE), and insurance invoices

* Obtain Written and Verbal Verifications of Employment (WVOE/VVOE)

* Request Verifications of Mortgage (VOM) and Verifications of Rent (VOR)

* Order IRS tax transcripts (4506‑C) and credit supplements

* Secure collection and debt payoff statements

* Order appraisal through approved AMCs

* Pull flood certifications

* Run DataVerify (or equivalent) reports

* Validate property address via USPS

* HOA/condo and insurance documentation

* Obtain Master Insurance and HOA certifications/questionnaires

* Coordinate condo project review/approval as required (agency/investor)

* Title and payoff coordination

* Request title work and manage title/escrow contacts

* Order mortgage payoffs and confirm demands align with closing timelines

* Compliance and disclosures readiness

* Prepare/mark files Ready to Send (RTS) for initial disclosure documents

* Confirm data integrity for TRID‑related fields prior to disclosure issuance

* File setup and data integrity

* Perform pre‑processing loan scrub; resolve data gaps and condition placeholders

* Complete and maintain accurate file contact details

* Enter and update loan scrub notes for downstream teams

* Rename/index documents to loan stacking order and LOS standards

* Pull and verify flood, USPS, and data‑validation outputs

* Ensure all order-outs are tracked to SLA and follow up to clear exceptions

Skills Knowledge and Expertise

* 1-3 years of mortgage operations experience in loan setup, disclosures, or processing (preferred)

* Strong working knowledge of:

* Order-outs: EOI, RCE, WVOE/VVOE, VOM/VOR, credit supplements, transcripts (4506‑C), flood certs, appraisal ordering, title requests, payoffs

* HOA/condo documentation (master insurance, HOA certs, condo project eligibility)

* TRID/ECOA basics and initial disclosure readiness requirements

* Loan Origination Systems (e.g., Encompass, ICE), appraisal and credit bureau portals, DataVerify (or similar), flood vendors, USPS tools

* High attention to detail with excellent document indexing and data-entry accuracy

* Strong time management; able to prioritize multiple files and meet SLAs

* Clear written and verbal communication with borrowers, lenders, title/escrow, HOAs, AMCs, and insurance agents

* Problem-solving mindset to resolve documentation gaps and exceptions quickly

* Proficiency with spreadsheets and checklists for pipeline tracking and follow‑ups

Benefits

* Above market salary

* HMO with free dependent

* Paid leave incentives

* Performance based Incentives

* Quarterly Company Events

* In-depth training for career growth

Great Company Culture and HR experience

Originally posted on Himalayas