Post Closing Manager

Key Responsibilities

• Manage, mentor, and develop a team of post-closing coordinators and Jr post-closers, providing day-to-day oversight and performance guidance.
• Establish and monitor team productivity standards, including review of an average of 5–6 loans per coordinator per day at a high quality threshold.
• Conduct regular pipeline reviews, identify bottlenecks, and reallocate resources to maintain turnaround targets.
• Serve as the escalation point for complex loan defects, documentation disputes, and investor exceptions.
• Oversee the audit of all closed loan files to verify completeness, accuracy, and compliance with regulatory requirements and investor guidelines.
• Direct the review and remediation of loan defects, ensuring all outstanding conditions are resolved within department SLAs.
• Maintain accountability for final recorded and non-recorded closing documents, ensuring proper custody and maintenance.
• Ensure all post-closing activities meet TRID disclosure and timing requirements, FHA/VA/USDA guidelines, and applicable fair lending laws.
• Manage submission and receipt of FHA mortgage insurance and VA loan guaranty within 60 days of closing.
• Oversee processing of upfront MIP and VA/USDA funding fee payments through the payment processing system.
• Ensure all loans are registered with MERS.
• Manage submissions of all required loans through Fannie/Freddie UCDC.
• Collaborate with compliance, legal, and secondary market teams to address investor findings and repurchase requests.
• Develop and maintain post-closing policies, procedures, and training materials to support team consistency and regulatory alignment.
• Track and report key performance metrics including defect rates, cure timelines, investor delivery rates, and team throughput.
• Identify systemic issues and lead cross-functional initiatives to improve loan quality and reduce post-closing defects.
• Partner with closing, underwriting, and operations leadership on process alignment and shared quality standards.
• Administer and optimize workflows within the loan origination system (LOS) to support post-closing efficiency.
• Manage relationships with title companies, recording agencies, custodians, and investors as needed to resolve post-closing issues.

Required Qualifications

• 5+ years of mortgage post-closing experience, with at least 2 years in a supervisory or team lead capacity.
• Deep knowledge of conventional loan guidelines, including TRID disclosure and timing requirements, investor delivery standards, and post-closing documentation requirements.
• Demonstrated ability to identify, document, and remediate loan defects across multiple loan product types.
• Experience with a paperless LOS platform (Byte Pro preferred, Encompass accepted).
• Strong organizational and prioritization skills with the ability to manage competing deadlines in a high-volume environment.
• Excellent written and verbal communication skills; ability to communicate clearly with internal stakeholders, investors, and external partners.
• Proven ability to lead teams, drive accountability, and maintain high standards of quality under production pressure.

Preferred Qualifications

• Working knowledge of FHA, VA, and USDA loan guidelines, including insurance/guaranty submission processes and acceptable documentation standards.
• Experience managing investor relationships and responding to post-purchase review findings or repurchase demands.
• Familiarity with secondary market requirements for loan delivery to Fannie Mae and Freddie Mac, including UCD submission.
• Experience designing or optimizing post-closing workflows and quality control frameworks.
• Bachelor's degree in finance, business, or a related field, or equivalent professional experience.

Core Competencies

• Attention to Detail — Maintains a high degree of accuracy across high-volume loan reviews; identifies errors and deficiencies that others may overlook.
• Leadership & Accountability — Holds team members to clear performance standards while providing the support and development they need to succeed.
• Regulatory Knowledge — Stays current on changes to mortgage compliance requirements and proactively communicates impacts to the team.
• Problem Solving — Resolves complex loan defects and escalations efficiently, exercising sound judgment and initiative.
• Collaboration — Works effectively across closing, underwriting, legal, and operations to resolve issues and improve processes.