Mortgage Servicing Professional

Mortgage Post-Closing Specialist

Do you have 3 - 5 years past work experience performing Mortgage Post Closing tasks for a Credit Union, Bank, or related financial institution? Audit closed loan packages, clear conditions, and ensure mortgage loan compliance.

Position Status Full Time non-exempt (Hourly)

Reports To: Retail Credit Underwriting Manager

Target hiring pay range: $21.10 - $26.37 per hour

The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector.

Our benefits include, but aren't limited to, medical coverage with generous company contributions, dental with employee only coverage paid by the company, vision with employee only coverage paid by the company, paid time-off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

Purpose: The primary purpose of this position is to assist Center Parc Credit Union (CPCU) to live out our Mission, "To help our members achieve financial success by providing exceptional products and service."

The Mortgage Post-Closing Specialist is responsible for ensuring mortgage loans are properly documented, audited, and delivered post-closing to meet investor, regulatory, and internal requirements. This includes a comprehensive review of all loan packages and final confirmation that all legal and secondary documents are executed properly.

Serve Exceptionally

• Ensure all required documents (notes, mortgages, Deeds of Trust, assignment riders, disclosures, title endorsements, flood insurances, taxes, PMI, etc.) Identify, research, and resolve post-closing exceptions, document errors, missing documents, and title or vesting issues through follow up with origination, closing, underwriting, title companies, and other third-party vendors.
• Verify recording of security instruments and maintain tracking of recording confirmations documents and final title policies; obtain and file recorded documents.
• Prepare and deliver loan files and electronic documents to investors; As needed, prepare package supplemental documents (mortgage assignments, satisfactions, estoppel certificates).
• compare the final loan data in Meridian Link Mortgage/Meridian Ling Consumer against the physical or digital documents to ensure 100% accuracy in interest rates, loan terms, and borrower information.
• recommend process improvements to reduce exceptions, shorten delivery timelines, and improve file quality.
• Ensure loan compliance and adhere to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), the Universal Code (UCC), Regulation Z, Home Mortgage Disclosure Act (HMDA), and any other state or federal regulation associated with the granting of credit that are applicable to this position.
• Demonstrate strong attention to detail, with the ability to review complex financial documents and identify errors or omissions.
• Effectively use written and oral communication skills in daily correspondence and completion of tasks and consistently presents a positive image of the Credit Union.
• Attend ongoing training as needed, including on and off-site workshops and webinars to maintain a prominent level of knowledge related to the position.
• Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.
• The ability to travel overnight or to other business locations is less than 5%.
• Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

An associate's degree in business management, business administration, related field of study or 2 years' related mortgage closing work experience in lieu of a degree

• 3 years mortgage post-closing, mortgage operations or equivalent work experience
• Proficiency with 10-Key calculator, keying skills, Microsoft Office software, and document imaging systems
• A working knowledge and understanding of mortgage regulations, compliance, and mortgage loan products

A bachelor's degree in business management, business administration, related field of study or an additional 2 years of specific mortgage post-closing work experience in lieu of a degree

• 4 years of mortgage loan processing experience in a credit union
• Certified Mortgage Processor certification (CMP) or other certifications related to the position
• Advanced understanding of mortgage regulations, compliance, and mortgage loan products
• Proficiency with loan origination systems (LOS), Symitar, and Meridian Link Mortgage

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. Center Parc Credit Union prohibits harassment based on the same protected classes and criteria.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.