Mortgage Shipper

About Working At Commerce

Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.

About This Job

The main purpose of this job is to be responsible for the timely delivery, review, and cure of mortgage loan collateral following closing. This role ensures complete, accurate, and compliant final loan documentation is received, reviewed, recorded, and delivered to investors and custodians within required timelines. The position works closely with investors, title companies, secondary marketing, servicing, and internal operations to support loan purchase, pooling, and servicing transfer activities.

Essential Functions

• Deliver closed loan files to investors electronically or via FedEx/UPS in accordance with investor and company requirements
• Maintain on-time delivery standards to support loan purchase and secondary marketing commitments and partner with that team to ensure accurate and timely delivery of all loan products, including the potential for government loan sales
• Work directly with investors to clear post-closing deficiencies and support funding and loan purchase
• Check in original Notes daily and maintain accurate tracking and deliver regularly to servicing or custodial partners
• Ensure proper endorsement and collateral handling standards are met, and follow up to obtain final/trailing documents via mail, email, and incoming mailroom scanning
• Monitor and manage the Final Document mailbox and workflow queues. Review recorded documents, including Deeds of Trust/Mortgages, Riders, and Assignments, for: correct vesting and borrower information, accurate recording data, proper execution, notarization, and signatures
• Review final title insurance policies to ensure: correct insured lender, insured amount, and loan information and proper endorsements based on loan program and investor requirements
• Match legal descriptions between title policies, security instruments, and riders to ensure enforceable lien position
• Identify document defects or discrepancies and coordinate cures with title companies, investors, counties, and settlement agents
• Track outstanding trailing documents and suspense items through resolution. Ensure curative actions are completed within investor-required timelines to mitigate risk and cost
• Ensure shipping documentation complies with federal, state, agency, and investor guidelines
• Pay USDA Guaranty fees and support post-closing government loan requirements as applicable. Image, index, and maintain final documents accurately in the Loan Origination System.
• Maintain audit-ready loan files with clear documentation and resolution notes. Assist the Fulfillment Center Supervisor with review of imaged loans for accuracy and completeness.
• Collaborate cross-functionally with Processing, Closing, Secondary Marketing, Compliance, and Servicing teams
• Perform other duties as assigned

Knowledge, Skills & Abilities Required

• Basic knowledge of mortgage industry guidelines and regulations
• Strong customer service and problem-resolution skills
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
• Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
• Basic level proficiency with Microsoft Word, Excel and Outlook

Education & Experience

• High School Diploma or equivalent combination of education and experience required
• 1+ year banking and/or title experience required
• Mortgage and/or title company experience preferred

The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits.