COC Specialist | Loan Setup Specialist | Appraisal Review & Data Entry Specialist

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We are looking for:

1. Change of Circumstance (COC) Specialist – Non-Delegated Lending

2. Loan Setup Specialist – Non-Delegated Mortgage Lender

3. Appraisal Review & Data Entry Specialist – Non-Delegated Mortgage Lending

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Change of Circumstance (COC) Specialist – Non-Delegated Lending

We are seeking an experienced Change of Circumstance (COC) Specialist to join our team supporting a U.S.-based non-delegated mortgage lender. The ideal candidate will have recent, hands-on experience processing COC requests, reviewing loan changes, and managing revised disclosures in Encompass. This is a plug-and-play role, so candidates should be able to work independently with minimal supervision and no formal training.

Key Responsibilities:

- Review and process Change of Circumstance (COC) requests accurately and within required turnaround times.

- Determine whether a COC is warranted based on changes to the loan.

- Review changes that may impact the Loan Estimate (LE), fees, closing costs, or loan terms.

- Review supporting documentation and validate the reason for the COC.

- Process and document COC requests in Encompass.

- Prepare and/or update loan disclosures following an approved COC.

- Verify revised disclosures and fee changes for accuracy.

- Maintain accurate documentation and audit trails within the loan file.

- Coordinate with processors, loan officers, setup teams, and other internal departments.

- Identify discrepancies or missing information and communicate them promptly.

Qualifications:

- At least 1 year of recent, hands-on COC experience.

- Recent experience in a U.S. mortgage lending environment.

- Hands-on experience using Encompass.

- Strong understanding of the mortgage disclosure and COC process.

- Experience working with Loan Estimates (LEs) and revised disclosures.

- Strong attention to detail and accuracy.

- Ability to work independently with minimal supervision.

- Ability to manage multiple loan files and time-sensitive requests.

Preferred:

- Experience supporting a non-delegated, wholesale, or correspondent lender.

- Experience with centralized disclosure, processing, or loan setup teams.

- Familiarity with TRID and disclosure-related requirements.

- Experience reviewing fee changes, loan terms, and other disclosure-triggering changes.

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Loan Setup Specialist – Non-Delegated Mortgage Lender

We are seeking an experienced Loan Setup Specialist to join our team supporting a U.S.-based non-delegated mortgage lender. The ideal candidate will have recent, hands-on experience setting up U.S. residential mortgage loans and be highly proficient in Encompass. This is a plug-and-play role requiring someone who can independently manage loan setup responsibilities with minimal supervision and no formal training.

Key Responsibilities:

- Review newly received loan files for completeness, accuracy, and required information.

- Enter and validate loan data accurately in Encompass.

- Review borrower, property, loan, employment, income, asset, and transaction information.

- Review and input loan terms, program information, and property details.

- Run and/or review AUS findings as applicable.

- Upload, index, and organize required documents in Encompass.

- Identify missing or inconsistent information and coordinate for resolution.

- Prepare loan files for the next stage of processing.

- Verify required disclosures and setup documents are properly reflected in the system.

- Maintain accurate loan status and milestone information.

- Communicate with processors, loan officers, underwriting, and other internal teams.

- Follow lender-specific procedures, checklists, and quality-control requirements.

- Meet established turnaround times and productivity expectations.

Qualifications:

- At least 1 year of recent, hands-on Loan Setup experience.

- Recent experience supporting U.S. residential mortgage loans.

- Strong hands-on experience using Encompass.

- Solid understanding of the mortgage loan lifecycle and loan setup process.

- Experience reviewing loan applications and supporting documentation.

- Familiarity with borrower, property, income, asset, credit, and transaction information.

- Strong attention to detail and data accuracy.

- Ability to identify missing or inconsistent loan information.

- Ability to manage multiple loan files while meeting turnaround requirements.

- Ability to work independently with minimal supervision.

Preferred:

- Experience with a non-delegated, wholesale, or correspondent lender.

- Mortgage broker or centralized loan setup experience.

- Experience with DU and/or LP/Loan Product Advisor (LPA).

- Experience with Encompass loan setup, data validation, document indexing, AUS, disclosures, and file preparation.

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Appraisal Review & Data Entry Specialist – Non-Delegated Mortgage Lending

We are seeking an experienced Appraisal Review & Data Entry Specialist to join our team supporting a U.S.-based non-delegated mortgage lender. The ideal candidate will have recent, hands-on experience reviewing residential mortgage appraisals, validating appraisal data, and entering information accurately into Encompass. This is a plug-and-play role requiring someone who can independently manage appraisal-related tasks with minimal supervision and no formal training.

Key Responsibilities:

- Review residential mortgage appraisal reports for completeness, accuracy, and consistency.

- Review key appraisal information including property details, appraised value, comparable sales, adjustments, condition, and quality ratings.

- Identify missing information, discrepancies, inconsistencies, and potential appraisal issues.

- Review appraisal comments, addenda, repairs, and other relevant sections.

- Compare appraisal information against the loan file and identify discrepancies.

- Accurately enter appraisal information into Encompass and other applicable systems.

- Update loan records with appraisal status, value, dates, and other required information.

- Upload and properly index appraisal reports and supporting documents.

- Track appraisal orders and received reports as applicable.

- Communicate appraisal updates, appraised value, LTV changes, repairs, and outstanding items.

- Coordinate with processors, loan officers, underwriting, and other internal teams.

- Follow lender-specific appraisal procedures and quality-control requirements.

Qualifications:

- At least 1 year of recent, hands-on mortgage appraisal review and/or appraisal data entry experience.

- Recent experience supporting U.S. residential mortgage loans.

- Hands-on experience using Encompass.

- Understanding of residential property valuation and basic appraisal terminology.

- Ability to identify discrepancies, missing information, and potential red flags in appraisal reports.

- Experience entering and validating appraisal data in a mortgage LOS.

- Strong attention to detail and data accuracy.

- Ability to work independently with minimal supervision.

- Ability to manage multiple loan files and meet turnaround requirements.

Preferred:

- Experience supporting non-delegated, wholesale, or correspondent lending.

- Mortgage broker, mortgage processing, appraisal desk, or centralized appraisal review experience.

- Experience reviewing Form 1004/URAR and other residential appraisal reports.

- Familiarity with 1004D, 1004C, 1025, 1073, appraisal addenda, and supporting documentation.

- Experience with AMCs, appraisal orders, ROVs, or appraisal-related workflows.

- Familiarity with appraisal terminology such as GLA, comparable sales, adjustments, market value, repairs, subject-to/as-is, and LTV.

Benefits:

- Permanent Work-From-Home Setup

- HMO Coverage (Employee + 2 Dependents)

- 13th Month Pay

- Paid Time Off (PTO)

- Philippine Holiday Premium Pay

- Annual Bonus

- Company Team Gatherings and Events

- Supportive and Collaborative Team Environment