Post-Closing Specialist

About the role

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.

Responsibilities

• 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
• Cook with 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

Requirements

• 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
• Previous experience with Non-QM lending, investor delivery, collateral review, or quality control preferred