Post Closing Specialist

About the role

The Post Closing Specialist is responsible for performing post-closing review and quality control activities for residential mortgage and home equity loan files. This individual contributor role reviews closed loan files for completeness, accuracy, and adherence to approved terms, internal policies, investor requirements, and applicable regulatory standards.

Responsibilities

• Review closed residential mortgage and home equity loan files for completeness, accuracy, and compliance with closing instructions, approval terms, internal procedures, investor guidelines, and regulatory requirements.
• Validate key post-closing documents, including notes, mortgages, closing disclosures, riders, title policies, insurance documentation, legal agreements, and other required loan file documents.
• Identify, document, and track missing, incomplete, inaccurate, or improperly executed documents and post-closing exceptions.
• Follow established procedures and timelines to obtain corrections, trailing documents, recorded instruments, final title policies, insurance updates, and other outstanding items.
• Communicate with closing attorneys, title companies, settlement agents, borrowers, and internal teams to resolve documentation deficiencies.
• Maintain accurate exception tracking records and update loan origination, servicing, or tracking systems as required.
• Prepare, organize, and deliver complete loan files to appropriate internal departments, custodians, investors, or servicers as applicable.
• Escalate complex, aging, or time-sensitive exceptions to the Post Closing Manager or similarly leveled manager.
• Support internal audits, regulatory examinations, investor reviews, and quality control requests by maintaining organized and accurate documentation.
• Absorb and provide feedback on recurring documentation issues to management to support process improvement.

Requirements

• High school diploma or equivalent required; associate’s or bachelor’s degree preferred.
• Minimum of two years of residential mortgage lending, loan operations, closing, post-closing, servicing, or quality control experience required; experience reviewing mortgage loan documents, resolving post-closing exceptions, and working with investor, regulatory, or audit requirements strongly preferred.
• Experience reviewing mortgage loan documents and resolving documentation exceptions preferred.
• Basic knowledge of the banking and financial services industry including federal laws and regulations.
• Intermediate typing skills to meet the production needs of the position.
• Intermediate math skills: the ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide into all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, interpret, and prepare business, banking, regulatory, proposal, contract, and client documentation as applicable to the role.
• Working knowledge of residential mortgage closing and post-closing documentation.
• Familiarity with regulatory requirements and investor guidelines applicable to residential mortgage loans, including TRID, RESPA, HMDA, and secondary market or portfolio requirements.
• Ability to identify document discrepancies, missing information, and execution errors.
• Strong organizational skills with the ability to manage multiple files, deadlines, and follow-up items.
• High attention to detail and commitment to accuracy.
• Effective written and verbal communication skills.
• Ability to work collaboratively with internal departments and external parties.
• Experience with Encompass or similar loan origination systems preferred.
• Proficiency with Microsoft Office applications, including Word, Excel, and Outlook.

Qualifications

• Education and/or Experience: High school diploma or equivalent required; associate’s or bachelor’s degree preferred. Minimum of two years of residential mortgage lending, loan operations, closing, post-closing, servicing, or quality control experience required; experience reviewing mortgage loan documents, resolving post-closing exceptions, and working with investor, regulatory, or audit requirements strongly preferred.
• Skills: Basic knowledge of the banking and financial services industry including federal laws and regulations; willingness to gain new knowledge and technical skills; intermediate typing skills; intermediate math skills; exceptional verbal, written, and interpersonal communication skills; working knowledge of residential mortgage closing and post-closing documentation; familiarity with regulatory requirements and investor guidelines applicable to residential mortgage loans, including TRID, RESPA, HMDA, and secondary market or portfolio requirements; ability to identify document discrepancies, missing information, and execution errors; strong organizational skills; high attention to detail and commitment to accuracy; effective written and verbal communication skills; ability to work collaboratively with internal departments and external parties; experience with Encompass or similar loan origination systems; proficiency with Microsoft Office applications, including Word, Excel, and Outlook.

Benefits

Charlesbridge offers a competitive benefit package including Medical, Dental, Vision, Flexible Spending, Tuition Reimbursement, Childcare Subsidy, Retirement, Life Insurance, and many other benefits. The Company is committed to providing equal opportunity for all employees and applicants without regard to race, color, religion, gender, sexual orientation, age, marital status, national origin, physical or mental disability, veteran or disability status, gender identity, or expression, citizenship, genetic information, ancestral origin, military status, pregnancy, childbirth, and or conditions relating to pregnancy or any other related medical conditions or any other status protected by Federal, State or local laws. The Company is dedicated to fostering a culture where every voice is valued and where employees have a sense of belonging and connection with each other. We are committed to creating a work environment that understands, supports, and welcomes diverse perspectives and backgrounds.

Pay

The pay range for this position is $25.74 to $33.19 per hour and is the lowest to highest amount Charlesbridge in good faith believe we would pay for this role at the time of this posting. The Company may ultimately pay more or less than the posted range, and the range may be modified in the future. An employee’s pay position within the range will be based on several factors including, but not limited to, relevant education, qualifications, certifications, experience, sales or revenue-based metrics, and business or organizational needs and affordability.