Initial Closing Disclosure Analyst

NightOwl Consulting

Analyst in mortgage operations reviewing Initial Closing Disclosures for accuracy and compliance. Collaborating with internal teams to ensure smooth loan closings and regulatory adherence.

Posted 7/28/2026full-timeRemote • 🇵🇭 PhilippinesMid-LevelSenior💰 ₱30,000 - ₱35,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in generating and reviewing Initial Closing Disclosure documents while ensuring compliance with TRID regulations and federal and state mortgage laws. Strong analytical and organizational skills are essential for managing workflows and resolving discrepancies in loan documentation.

Highest-signal resume keywords

TRID ComplianceInitial Closing Disclosure GenerationLoan Documentation ReviewMicrosoft Office Suite ProficiencyAnalytical Problem Solving

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Initial Closing DisclosureLoan DocumentationClosing DisclosuresLoan EstimatesUnderwriting Terms

Soft Skills

Organizational SkillsProblem SolvingCommunication Skills

Tools & Technologies

Microsoft ExcelMicrosoft WordMicrosoft Outlook

Industry Keywords

TRID RegulationsFederal Mortgage RegulationsState Mortgage RegulationsQuality Control ChecksCompliance Monitoring

About the role

Key responsibilities & impact

Generate and review Initial Closing Disclosure (ICD) documents for accuracy and completeness in accordance with company policies and regulatory requirements.
Ensure that the ICD is sent to the borrower at least three business days prior to closing, adhering to TRID (TILA-RESPA Integrated Disclosure) regulations.
Review loan terms, fees, taxes, and other financial data to ensure they are accurately reflected in the ICD.
Cross-check all loan documentation to ensure alignment with underwriting conditions and customer information.
Identify and resolve any discrepancies in loan documentation prior to issuing the ICD.
Stay up to date with federal and state mortgage regulations (including TRID) to ensure all disclosures meet legal standards.
Maintain detailed records of all issued ICDs and monitor timelines to ensure compliance with the three-day disclosure rule.
Work closely with loan officers, underwriters, processors, and closing coordinators to ensure all necessary data is collected and accurately reflected in the ICD.
Communicate with the loan origination team to address any borrower questions or concerns regarding the closing disclosure.
Conduct quality control checks on all ICDs before submission to ensure there are no errors or omissions.
Report any issues or trends regarding ICD errors or compliance risks to management for further review.

Requirements

What you’ll need

Proficiency in Microsoft Office Suite (Excel, Word, Outlook).
Analytical mindset with the ability to identify and solve problems quickly.
Familiarity with loan documentation, including closing disclosures, loan estimates, and underwriting terms.
Strong organizational skills and ability to manage workflow efficiently.

Benefits

Comp & perks

Above market salary
HMO with free dependent
Paid leave incentives
Performance based Incentives
Quarterly Company Events
In-depth training for career growth