POSITION SUMMARY:
Primary function of a post closer is to gather all required documents needed to complete a closed loan package within the required time frame. The post closer will review funding documents, send revised closing documents, and post close loans. All information must be reviewed for accuracy and all supporting documentation must be included. The post closer will assist the closing department at heavy volume times and work closely with loan processors, production staff, closing agent, underwriters, HVCC personnel to ensure that closing documents are obtained as required.
PRIMARY DUTIES AND RESPONSIBILITIES:
_ _Request missed required documents as needed from title, borrowers, sellers, loan officers, or other 3rd party services, such as: Corrected Closing Disclosure’s & ALTA’s, Miscellaneous documents borrower did not sign at closing or during the loan process, Requesting termite inspections/CO’s/Building permits from builder, Requesting signed documents from builder, Requesting other investor required documents to get conditions cleared from processors, underwriters, title companies etc., Working with HVC on getting appraisal corrections, Working with processors/closers/underwriters to ensure proper documentation is obtained, Working with underwriters to ensure correct documentation is uploaded,
Working with processors to ensure correct final inspections are ordered
_ _Monitor report to ensure that conditions are obtained within 10 day window
_ _Work closely with post-closing and secondary marketing to review outstanding conditions and status of each one
_ _Attend weekly meetings with secondary marketing to review outstanding conditions and status of each one
_ _During the last two weeks of the month, assist processors by requesting flood certs to ensure they are in the file prior to closing
_ _During the last two weeks of the month review the 5 day MERBALS report to ensure hazard insurance policies are uploaded in the file o If hazard insurance is missing, requesting it from the insurance agent that is assigned in the closing prep screen; if there is no company listed, follow up with the processor to obtain the agent information
_ _During the last two weeks of the month, ensuring that 5 day verbal verifications of employment are completed
_ _Post Closer is automatically notified when an elevation cert is uploaded into a file, if the property is in a flood zone, the elevation cert and appraisal must be forwarded to NAAIS if that is who the borrower is using for insurance. o If the loan closes without an elevation cert, follow up to be completed within three days of closing to ensure NAAIS receive the document as well as the appraisal.
In addition to the above, each associate will be required to cross train for position(s) within the division organization structure as may, from time to time, be required by the Division President.
Management reserves the right to change the duties and responsibilities set forth herein at any time.
EDUCATION AND EXPERIENCE REQUIREMENTS:
_ _High School Diploma or equivalent
_ _2-3 years of closing, post closing and/or closing and processing Conventional/FHA/VA experience
_ _Strong computer background with 2-3 years of experience in mortgage software
_ _Attention to detail
_ _Knowledge of office procedures
_ _Current knowledge of closing and title requirements
_ _Valid driver’s license
CONTACTS:
Regular interaction with Home Building Division, Mortgage Production Division, Processing staff and Closing
Agents.
PHYSICAL REQUIREMENTS:
Requires the ability to operate a personal computer, fax machine, copier, climb stairs, bend, stoop, reach, lift, move, and carry materials and supplies weighing 20 pounds or less. Finger dexterity is required to operate a computer keyboard.
ADDITIONAL REQUIREMENTS:
_ _Interact well with other associates
_ _Possess positive and professional attitude and represent company in a positive manner
_ _Provide outstanding customer service, work well under pressure and be a team player
_ _Possess excellent organization and analytical skills
_ _Possess excellent oral and written communication skills
_ _Strong computer skills
_ _Understand and follow posted work rules and procedures
_ _Accept constructive criticism
Job Type: Full-time
Experience:
- Mortgage Closing: 1 year (Preferred)
Work Location:
- One location
Benefits:
- Health insurance
- Dental insurance
- Vision insurance
- Retirement plan
- Paid time off
- Parental leave
Schedule:
- Monday to Friday
- Day shift
- 8 hour shift
