Job Description

Primary function of a post closer is to gather all required documents needed to complete a closed loan package within the required time frame.  The post closer will review funding documents, send revised closing documents, and post close loans. All information must be reviewed for accuracy and all supporting documentation must be included.  The post closer will assist the closing department at heavy volume times and work closely with loan processors, production staff, closing agent, underwriters, HVCC personnel to ensure that closing documents are obtained as required. #CB

• Request missed required documents as needed from title, borrowers, sellers, loan officers, or other 3rd party services, such as: Corrected Closing Disclosure’s & ALTA’s, Miscellaneous documents borrower did not sign at closing or during the loan process, Requesting termite inspections/CO’s/Building permits from builder, Requesting signed documents from builder, Requesting other investor required documents to get conditions cleared from processors, underwriters, title companies etc., Working with HVC on getting appraisal corrections, Working with processors/closers/underwriters to ensure proper documentation is obtained, Working with underwriters to ensure correct documentation is uploaded, Working with processors to ensure correct final inspections are ordered
• Monitor report to ensure that conditions are obtained within 10-day window
• Work closely with post-closing and secondary marketing to review outstanding conditions and status of each one
• Attend weekly meetings with secondary marketing to review outstanding conditions and status of each one
• During the last two weeks of the month, assist processors by requesting flood certs to ensure they are in the file prior to closing
• During the last two weeks of the month review the 5-day MERBALS report to ensure hazard insurance policies are uploaded in the file
  o If hazard insurance is missing, requesting it from the insurance agent that is assigned in the closing prep screen; if there is no company listed, follow up with the processor to obtain the agent information
• During the last two weeks of the month, ensuring that 5-day verbal verifications of employment are completed
• Post Closer is automatically notified when an elevation cert is uploaded into a file, if the property is in a flood zone, the elevation cert and appraisal must be forwarded to NAAIS if that is who the borrower is using for insurance.
  o If the loan closes without an elevation cert, follow up to be completed within three days of closing to ensure NAAIS receive the document as well as the appraisal.

• High School Diploma or equivalent
• 2-3 years of closing, post-closing and/or closing and processing Conventional/FHA/VA experience
• Strong computer background with 2-3 years of experience in mortgage software
• Attention to detail
• Knowledge of office procedures
• Current knowledge of closing and title requirements
• Valid driver’s license