HELOC Closing & Delivery Manager

Splash Financial•Cleveland, OH

2d•$69,000 - $85,000•Remote

About The Position

Splash Financial is seeking a HELOC Closing & Delivery Manager to manage day-to-day closing and investor delivery for its new HELOC lending platform. This individual contributor coordinates accurate, timely closings and loan delivery, serving as the primary point of contact for borrowers, settlement agents, and investor partners from clear-to-close through loan sale. Working with and reporting to the Director, HELOC Operations, the manager will help establish and document workflows as the program grows. The position may offer an opportunity to help build and lead a closing team as origination volume increases. This is a remote role for candidates in the Cleveland, Ohio area, requiring 1–4 days per month in the downtown Cleveland office.

Requirements

Associate’s or bachelor’s degree, or equivalent work experience.
At least 2 years of experience in mortgage or HELOC closing, post-closing, or loan delivery operations.
Working knowledge of the HELOC or home equity lending lifecycle, including lien position, subordination, rescission, and investor delivery requirements.
Experience reviewing loan files and closing documents for accuracy and resolving discrepancies using established guidelines.
Ability to independently manage multiple files, prioritize deadlines, and determine when to escalate an exception.
Strong attention to detail and sound judgment when handling borrower information, closing documents, and funding instructions.
Clear written and verbal communication skills and ability to work directly with borrowers, settlement agents, investors, and internal partners.
Ability to maintain confidentiality when handling sensitive borrower and financial information.
Familiarity with applicable federal and state home equity lending requirements.

Nice To Haves

Vesta loan origination system experience.
Familiarity with eClosing, e-signature, and remote online notarization platforms; DocMagic experience is a plus.
Experience helping document or improve closing processes in a new product line or growing lending operation.
Experience at a HELOC-focused or home equity lender.
Familiarity with eNotes, eVaults, and investor loan sale or delivery processes.
Experience training or mentoring closing or processing staff, or interest in growing into a people-management role as the team scales.

Responsibilities

Help develop and document HELOC closing and investor-delivery checklists, loan origination system workflows, remote online notarization and eClosing procedures, and quality-control standards.
Identify recurring issues in the closing-to-sale process and recommend improvements.
Review HELOC files after credit approval to confirm prior-to-closing conditions, disclosures, and closing documents are complete and consistent with program and investor guidelines.
Review title commitments or property and lien reports, lien searches, payoff statements, and subordination agreements to verify lien position and identify title exceptions.
Confirm collateral and insurance requirements, including property valuation, flood-zone determinations and related notices or insurance, and hazard insurance with the correct mortgagee clause.
Enter and validate loan data in the loan origination system and integrated document platforms to generate accurate closing documents.
Escalate unusual file conditions or requirements outside established guidelines.
Coordinate with settlement agents, borrowers, and investors to schedule and complete in-person, hybrid, and remote online notarization eClosings.
Serve as the borrower’s primary contact from clear-to-close through funding, explain the signing process and any rescission period, respond to process questions, and refer questions about loan terms or pricing to licensed staff.
Work with underwriting, processing, servicing, and external partners to resolve routine issues and move files toward closing and boarding.
Review executed closing packages for completeness and accuracy and coordinate corrections before funding.
Confirm prior-to-funding conditions are met and any applicable rescission period has expired before authorizing disbursement of initial draws under established procedures.
Follow funding controls, including independent call-back verification of settlement agent wire instructions, reconciliation of funding amounts to closing figures, and confirmation of disbursement; escalate discrepancies before funds are released.
Coordinate closed HELOC loans’ transition into the investor sale and delivery pipeline.
Track recording of security instruments and trailing documents and coordinate collateral file delivery to the document custodian, including eNote registration and eVault steps where applicable.
Prepare and submit investor delivery packages and loan data according to investor and program requirements and purchase deadlines.
Serve as the day-to-day contact for investor counterparts, resolving routine discrepancies and escalating complex issues.
Manage an assigned pipeline of HELOC files from post-approval through investor sale while meeting deadlines, quality standards, and turn-time targets.
Maintain organized and accurate files in accordance with company policy, information security standards, and recordkeeping requirements.
Provide files and information for quality control, internal audit, investor due diligence, and regulatory examination requests related to closed and sold loans.
Help develop training materials for future closing staff and share process knowledge as the team grows.