Trailing Docs/Collateral Specialist

Brief Description

The Team

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

Position Summary

The Trailing Docs/Collateral Specialist is responsible for managing, tracking, and obtaining all outstanding post-closing documentation required to complete and perfect loan files. This role ensures that collateral packages are accurate, complete, and delivered to investors, custodians, or warehouse banks in accordance with company guidelines and investor requirements. The specialist plays a critical role in protecting the company’s ability to sell loans and maintain compliance with regulatory and investor standards.

Responsibilities

• Track, monitor, and obtain all trailing documents required after loan closing, including but not limited to:
• Recorded Deeds of Trust / Mortgages
• Final Title Policies
• Assignments
• Mortgage Insurance Certificates
• Collateral documents required by investors or warehouse lenders
• Maintain accurate records of outstanding collateral and trailing documentation within the company’s loan origination and tracking systems.
• Communicate regularly with title companies, county recording offices, closing agents, settlement agents, and internal departments to obtain required documents.
• Ensure documents are reviewed for accuracy, completeness, and compliance with investor and company guidelines.
• Prepare and ship collateral packages to investors, custodians, or warehouse banks within required timelines.
• Monitor aging reports and proactively follow up on missing documentation to prevent delays in loan purchase or collateral certification.
• Resolve documentation discrepancies, deficiencies, or recording issues in coordination with title and closing partners.
• Maintain organized electronic and physical loan files in accordance with company procedures.
• Assist with collateral audits and investor inquiries as needed.
• Escalate unresolved documentation issues to management in a timely manner.
• Support departmental initiatives to improve post-closing processes and efficiency.
  
  

Experience

• High school diploma required; Bachelor’s degree preferred.
• 2 years of mortgage industry experience, preferably in post-closing, collateral, or trailing documents.
• Knowledge of mortgage closing documents, recording processes, and title policies.
• Familiarity with investor and warehouse lender collateral requirements.
• Experience with mortgage loan origination systems and document management platforms.
• Strong organizational and time management skills with the ability to manage multiple files simultaneously.
• Excellent communication and follow-up skills.
• Strong attention to detail and problem-solving abilities.
  
  

Key Competencies

• Detail-oriented and process driven
• Strong follow-through and accountability
• Ability to work in a fast-paced production environment
• Effective cross-functional communication
  
  

Pay Disclosure

The starting base salary pay range for this position is $24/hr. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

Disclaimer Statement

This job description is not intended, nor should it be construed to be an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job. It is intended to be a general description of the principal requirements common to positions of this type.

Work Authorization

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.

Other Duties

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.

Physical Demands

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.

• For your security, Kind Lending will only contact you from email addresses ending in kindlending.com. Emails from any other domain should be treated as suspicious and may be phishing attempts.