Post Closing Banking Specialist

Description

The Post-Closing Banking Specialist is an in-branch role that combines mortgage post-closing expertise with retail banking support. The position is assigned to work in a branch in Spicer, Pennock, Raymond, or Willmar. It provides an additional on-site staff presence, especially in smaller or lower traffic branches, while completing post-closing responsibilities and supporting branch customers throughout the workday.

This position requires strong mortgage post-closing experience, regular in-person branch presence, and flexibility to support customers and employees across our MN branches. Digital, phone, chat, and email support supplements the role's primary in-branch responsibilities.

• Review closed mortgage loan files for completeness, accuracy, and compliance with investor, agency, and regulatory requirements.
• Complete post-closing audits and resolve outstanding conditions, deficiencies, and documentation exceptions.
• Prepare and deliver loan packages to investors, agencies, warehouse lenders, and custodians within required timelines.
• Monitor and clear trailing documents, including recorded mortgages, title policies, final inspections, and other required collateral documentation.
• Coordinate corrections and curative actions with closing, processing, underwriting, title companies, attorneys, investors, and internal business partners.
• Ensure accurate delivery of loan data, documents, and certifications to secondary market investors and custodians.
• Track post-closing pipelines and maintain aging reports to ensure timely completion of loan sale and collateral requirements.
• Review and process investor purchase conditions, suspense items, and funding exceptions.
• Manage mortgage electronic document storage, imaging, indexing, and retention requirements.
• Assist with investor audits, internal audits, quality control reviews, compliance examinations, and documentation requests.
• Maintain knowledge of agency, investor, and regulatory requirements including FNMA, FHLMC, FHA, VA, USDA, TRID, HMDA, RESPA, and other applicable mortgage regulations.
• Identify process improvement opportunities and support operational efficiency initiatives.
• Assist with collateral file maintenance, document tracking, shipping, certification, and delivery requirements.
• Support mortgage quality control activities and remediation of identified findings.

• Work on-site in a Spicer, Pennock, Raymond, or Willmar branch and provide daily retail coverage based on staffing and business needs.
• Assist customers with deposits, withdrawals, transfers, loan payments, cashier’s checks, and other teller transactions.
• Support account opening and account maintenance activities as needed.
• Deliver outstanding customer service through in-person, phone, email, chat, and digital channels.
• Educate customers on digital banking tools, payment options, and self-service resources.
• Assist branch teams during vacation coverage, staffing shortages, training periods, or special projects.
• Serve as an additional on-site staff member in smaller or lower-traffic branches while completing loan servicing work and remaining available to assist branch customers.
• Maintain cash handling, balancing, security, and dual control procedures when assigned retail responsibilities.
• May serve as the designated owner and subject matter expert for assigned retail banking procedures, providing training, maintaining documentation, supporting process improvements, and acting as a resource for branch teams.

• Participates in all required BSA training and demonstrates knowledge of BSA relative to job responsibilities.
• Responsible for…