Post Closing Specialist

SUMMARY

The Post Closing Specialist is responsible for performing post-closing review and quality control activities for residential mortgage and home equity loan files. This individual contributor role reviews closed loan files for completeness, accuracy, and adherence to approved terms, internal policies, investor requirements, and applicable regulatory standards.

Job Type: Full-time

• Review closed residential mortgage and home equity loan files for completeness, accuracy, and compliance with closing instructions, approval terms, internal procedures, investor guidelines, and regulatory requirements.
• Validate key post-closing documents, including notes, mortgages, closing disclosures, riders, title policies, insurance documentation, legal agreements, and other required loan file documents.
• Identify, document, and track missing, incomplete, inaccurate, or improperly executed documents and post-closing exceptions.
• Follow established procedures and timelines to obtain corrections, trailing documents, recorded instruments, final title policies, insurance updates, and other outstanding items.
• Communicate with closing attorneys, title companies, settlement agents, borrowers, and internal teams to resolve documentation deficiencies.
• Maintain accurate exception tracking records and update loan origination, servicing, or tracking systems as required.
• Prepare, organize, and deliver complete loan files to appropriate internal departments, custodians, investors, or servicers as applicable.
• Escalate complex, aging, or time-sensitive exceptions to the Post Closing Manager or similarly leveled manager.
• Support internal audits, regulatory examinations, investor reviews, and quality control requests by maintaining organized and accurate documentation.
• Assist in identifying recurring documentation issues and provide feedback to management to support process improvement.
• Complete all internal Company training as assigned and required.
• Adhere to the Company’s privacy and data security policies including but not limited to safeguarding of sensitive information and complying with relevant regulations to protect non-public information.
• Exhibit the ability and desire to embrace and enhance the Company culture.
• Participate in internal and external training sessions and activities not described here which enhance the quality of service to the client.

• This position has no direct supervisory responsibilities.
• May provide guidance or support to less experienced team members as requested by management.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• High school diploma or equivalent required; associate’s or bachelor’s degree preferred.
• Minimum of two years of residential mortgage lending, loan operations, closing, post-closing, servicing, or quality control experience required; experience reviewing mortgage loan documents, resolving post-closing exceptions, and working with investor, regulatory, or audit requirements strongly preferred.
• Experience reviewing mortgage loan documents and resolving documentation exceptions preferred.

• Basic knowledge of the banking and financial services industry including federal laws and regulations
• Willingness to gain new knowledge and technical skills.
• Intermediate typing skills to meet the production needs of the position.
• Intermediate math skills: the ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide into all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others,…