Mortgage Loan Post-Closer - Floater

Mortgage Loan Post-Closer - Floater

This position requires you to live within a 200-mile radius of our Nashville, TN office. This position is required to be in the office for at least the first week for hands-on training. After training is completed, your in-office time is at least twice per month, and upon management request.

Position Summary: Provides flexible support across post-closing review, final documents, and investor delivery functions to ensure production goals, compliance requirements, and pipeline deadlines are met.

Essential Duties and Responsibilities:

• Serves as primary back-up to post-closers, final documents, and investor delivery during staff absences or high production; moves between work units based on volume demands and operational priorities.
• Adjusts assignments to address volume fluctuations, staffing shortages, and critical pipeline deadlines.
• Maintains productivity and quality standards regardless of assigned function(s).
• Reviews closed loan files for completeness, accuracy, and compliance with agency, investor, and program requirements to ensure proper lien positions.
• Verifies executed closing documents, signatures, dates, loan terms, and supporting documentation; reviews closing disclosure for accurate timing, initial escrow deposit, verified cash to close, and principal reductions as applicable; ensure loans meet requirements for THDA purchase.
• Assists with delivery of loans to investors and document custodian; prepares and reviews loan data and documentation for delivery.
• Supports receiving and shipping original mortgage documents.
• Reviews final documents for completeness and compliance; monitors and tracks receipt of trailing documents, including recorded mortgages, deeds of trust, title policies, and other required documentation.
• Identifies documentation deficiencies and coordinates corrective actions with lenders and/or internal staff.
• Communicates effectively with lenders, investors, and internal stakeholders to resolve issues and facilitate workflow completion.
• Supports other areas in the division as necessary or as time allows; is cross trained and responsible for other duties in the closing department as specified by the division assistant director and the director.

Minimum Qualifications:

Education and Experience:

• High school diploma or equivalent GED required.
• Knowledge of the mortgage lending field; 1 year of experience in this field required, 3 years preferred.
• Mortgage closing related experience; 1 year of experience required, 2 years of post-closing related experience preferred.
• Recent employment in the mortgage banking field is preferred.

Knowledge, Skills, Abilities, and Competencies:

• Adaptable and able to transition seamlessly between work assignments.
• Knowledge of Federal Housing Administration (FHA), Veterans Administration (VA), United States Department of Agriculture/Rural Housing Service (USDA/RHS), Federal Home Loan Mortgage Corporation (Freddie Mac), Federal National Mortgage Association (Fannie Mae) and Private Mortgage Insurance (PMI) regulations.
• Knowledge of security instrument correction process.
• Knowledge of Uniform Loan Delivery Dataset (ULDD).
• Knowledge of Manufactured Home de-titling process.
• Knowledge of CFPB closing guidelines.
• Ability to effectively manage multiple tasks and duties.
• Strong interpersonal skills.
• Strong problem-solving skills and initiative.
• Excellent verbal and written communication skills.
• Builds and maintains positive relationships with internal and external constituents.
• Strong organizational, communication, and customer service skills.
• Strong time management skills; uses time effectively; consistently meets deadlines.
• Ability to adjust to frequent procedural change.
• Documents regularly, thoroughly, accurately, and completely.
• High level of detail and accuracy.
• Exercises good and consistently fair judgment, courtesy, and tact in dealing with the staff and public in giving and obtaining information.
• Computer literate; proficient in Microsoft Word, Excel, Outlook, and the internet; able to effectively adapt to and use other computer systems as needed for daily activities.

Special Demands:

• While performing the duties of this job, the employee is regularly required to sit; stand; use hands to finger, handle or feel; and talk and hear.
• The employee is occasionally required to walk; reach with hands and arms, and stoop, kneel, or crouch.
• Specific vision abilities required by this job include close vision, distance vision, and the ability to adjust focus.

Benefits: THDA offers an excellent benefits package including medical, dental, vision, and life insurance options; disability insurance; retirement plans; flexible benefit pre-tax accounts for medical, dependent care, transportation, and parking; annual leave and sick leave that begin accruing after the first month of employment; and 11 paid holidays per year.

Equal Opportunity/Equal Access/Affirmative Action Employer Application Must Be Complete and Resume Attached for Consideration

Tennessee Housing Development Agency