Underwriter

Role Description

Lendz Financial is seeking an experienced and detail-oriented Post-Closing Specialist to join our growing Operations team. This role is designed for a mortgage professional with a strong understanding of loan documentation, post-closing processes, and investor delivery requirements who can ensure loans are accurately completed, purchased, and delivered with the highest level of quality and efficiency.

This is a fully remote position, within a collaborative, high-accountability environment that values ownership, continuous improvement, and professional growth.

What You'll Do

• Conduct detailed post-closing reviews of residential mortgage loan files to ensure accuracy, completeness, and salability.
• Review executed loan documents for compliance with company, investor, agency, and regulatory requirements.
• Audit closed loan packages to identify missing documentation, document discrepancies, signature deficiencies, and data inconsistencies.
• Coordinate with Closing, Processing, Underwriting, Account Management, and external settlement partners to obtain required corrections and trailing documents.
• Manage post-closing conditions and clear outstanding deficiencies in a timely manner.
• Ensure collateral files are complete, accurately imaged, and prepared for investor purchase and delivery.
• Review final loan documentation for adherence to product guidelines, closing instructions, and internal policies.
• Monitor and track trailing documents, including recorded mortgages, final title policies, assignments, and other collateral-related items.
• Assist with investor purchase suspense resolution and respond to post-purchase documentation requests.
• Support loan boarding, shipping, and investor delivery processes as applicable.
• Maintain accurate records of post-closing activity, exception tracking, and document status reporting.
• Partner cross-functionally with Operations, Underwriting, Secondary Marketing, Compliance, and Quality Control teams to resolve file-level issues efficiently.
• Identify recurring documentation or process deficiencies and provide recommendations for operational improvements.
• Support internal audits, due diligence reviews, regulatory examinations, and investor inquiries as needed.
• Stay current on Non-QM product requirements, investor guidelines, and applicable federal and state regulations.
• Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement.

Qualifications

• 3+ years of mortgage post-closing, closing, collateral, funding, quality control, or related mortgage operations experience.
• Strong understanding of residential mortgage loan documentation and post-closing workflows.
• Experience reviewing closed loan packages for accuracy, completeness, and investor compliance.
• Familiarity with Non-QM loan products, including Bank Statement programs, DSCR, Asset Utilization, and 1099 income loans.
• Working knowledge of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements.
• Understanding of collateral management, trailing document processes, investor delivery requirements, and loan salability standards.
• Ability to identify documentation deficiencies, assess materiality, and resolve issues efficiently.
• Excellent organizational skills with strong attention to detail and accuracy.
• Strong written and verbal communication skills, with the ability to work effectively across multiple departments and external partners.
• Ability to manage multiple priorities and deadlines in a fast-paced environment.
• High level of accountability, professionalism, and ownership.
• Experience with mortgage loan origination systems, document management platforms, and Microsoft Office Suite.
• Previous experience with Non-QM lending, investor delivery, collateral review, or quality control preferred.

Benefits

• Highly subsidized medical insurance.
• Low-cost dental and vision insurance.
• 401(k) program.
• Health Savings Account (HSA).
• Generous paid time off and company holidays.
• Ongoing training, mentorship, and professional development opportunities.
• A collaborative and supportive work environment that values ownership, innovation, and growth.