Mortgage Loan Post-Closing Specialist

ROLE

The Mortgage Loan Post-Closing Specialist works to complete any administrative tasks necessary to book and fund new mortgage loans. This position is responsible for selling and delivering loans to multiple investors, per investor guidelines, and any other tasks necessary to close out the new loan process.

ESSENTIAL FUNCTIONS

This position is responsible for the following functions:

Loan Documentation

• Retrieve all necessary documentation on new closed loans from appropriate sources as required by bank policy and loan regulation for loan funding
• Ensure required documentation is received, completed, and ready for loan funding for all mortgage loan closings
• Input new and/or updated loan document images and information into database for tracking and reporting
• Prepare and submit documents for recording with appropriate county as needed
• Monitor and confirm the successful recording of documents such as deeds and mortgages
• Follow up on outstanding documents or signatures post-closing
• Maintain accurate transaction files and update internal databases and tracking systems
• Communicate with clients, lenders, real estate agents, and internal staff to resolve post-closing issues
• Adhere to compliance standards and regulatory requirements
• Package and sell closed mortgage loans to approved investors in the secondary market
• Ensure loan meets investor eligibility and underwriting requirements
• Prepare and submit investor delivery data, collateral documents, and shipping information
• Maintain records and systems to track loan sales, margins, pricing, and profitability

Customer Service

• Demonstrate a commitment to PBT’s customer service philosophy
• Provide courteous service to loan and deposit customers in person, over the phone, and through email communications

Various other duties as assigned

QUALIFICATIONS

EDUCATION/CERTIFICATION:

High School Diploma or equivalent required
REQUIRED KNOWLEDGE:
Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all PBT policies and procedures related to mortgage loan services provided, knowledge of reports required to maintain and track outstanding loans
EXPERIENCE

REQUIRED:

2+ years banking experience preferred
SKILLS/ABILITIES:
Attention to detail, strong written and verbal communication skills, self-motivation, self-management, ability to consistently follow through on tasks, problem solving, organized, analytical, interpersonal, customer relationship building, time management, computer literacy, strong ability to multi-task

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

TALKING:
Ability to speak effectively and communicate clearly
AVERAGE HEARING:
Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel
REPETITIVE MOTION:
The employee is regularly required to type throughout the day
FINGER DEXTERITY:
The employee is regularly required to use hands to type and maneuver a mouse
AVERAGE VISION:
Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and the ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)
PHYSICAL STRENGTH:
The employee must occasionally lift and/or move up to 20 pounds (unassisted) as well as stand, sit, bend, kneel, squat, and walk for long periods of time

WORKING CONDITIONS

General professional office environment with climate control. Adequate lighting. Occasional additional hours outside of regular bank service hours to complete tasks.

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

REASONING ABILITY:
Ability to deal with a variety of variables under only limited standardization.
MATHEMATICS ABILITY:
Strong numeric capabilities;
Ability to add, subtract, multiply and…