Real Estate Loan Post Closer

Role: Responsible for reviewing, auditing, and ensuring the accuracy and completeness of closed mortgage loan files. Ensure all documents meet investor, agency, and internal compliance requirements before final delivery or funding. Manage trailing documents, record retention, and resolve any post-closing issues that arise.

Essential Functions & Responsibilities:

• Review closed mortgage files for accuracy and compliance, identifying discrepancies and ensuring all documentation meets agency, investor, and internal QC standards prior to shipping. Ensure all required signatures, notarizations, and documents are properly executed.
• Manage post-closing financial activities, including processing incoming and outgoing funds, balancing general ledger entries, and completing accurate loan boarding from Encompass to the core system.
• Upload and index all final closing documents into the loan origination and imaging systems.
• Ship or deliver closed loan packages to MMS within established timelines.
• Track and obtain missing or trailing documents, including final title policies and recorded security instruments.
• Clear deficiencies noted by investors, custodians, or quality control reviews.
• Complete required registrations and transfers (e.g., MERS, assignments) when applicable.
• Serve as a point of contact for title companies, settlement agents, and internal partners to resolve post-closing items and provide status updates.
• Type and submit required notices to government agencies regarding changes to loan documents, including mortgage releases when applicable.
• Perform other related duties as assigned. Employees shall be trained annually, demonstrate an understanding of, and follow the requirements of the BSA/AML Compliance Program as it specifically relates to their job functions.

Knowledge and Skills:

• Experience: One year to three years of similar or related experience.
• Education: A high school education or GED.
• Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• Other Skills: Strong communication, organization, and attention to detail; ability to manage multiple deadlines and priorities. Ability to interpret mortgage/real estate documentation and identify exceptions. Proficiency with office equipment and systems (computer skills, document imaging/indexing).
• Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands and fingers, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.
• Work Environment: Office position; works indoors year-round; may be exposed to indoor temperature adjustments; heating and cooling vents distribute regulated air.