Home Loan Post Closing Specialist

GESA CREDIT UNION • Richland, WA

5d • $23 - $38 • Onsite

About The Position

The Home Loan Post Closing Specialist manages the post-closing stage of residential mortgage loans, ensuring loan documents are accurate, compliant, and completed within regulatory timelines. The role coordinates with stakeholders to support timely exports to the sub servicer and seamless delivery to investors, and also performs quality control activities.

The specialist maintains knowledge of mortgage products, regulatory requirements, and investor guidelines; reviews final settlement statements and completes updates in the loan origination system; issues post-closing compliance documents; conducts servicing exports, mortgage insurance activation or issuance, and MERS registration; manages escrow holdbacks; and tracks post-closing conditions and trailing documents. The role also supports investor loan sales and shipping, resolves file deficiencies, monitors quality-control reports, requests sub-servicing corrections, and provides support on HELOC products.

This is a full-time, hourly position based at the South Richland HQ in Richland, Washington. The listed salary range is $22.92–$38.19 per hour. Some travel is required for training and business objectives.

Requirements

• High school diploma or equivalent; specialized courses of study, training, and experience may be accepted in lieu of a degree.
• Exceptional attention to detail and ability to identify and correct discrepancies.
• Strong written and verbal communication skills to collaborate effectively with borrowers, vendors, and internal teams.
• Excellent organizational and time-management skills, including the ability to prioritize competing demands.
• Adaptability in a fast-paced, deadline-driven environment.
• Proficiency with standard Microsoft Office Suite tools.
• Ability to travel as required to achieve training and business objectives.

Nice To Haves

• One year of experience in mortgage closing, post-closing, processing, or a financial institution.
• Familiarity with FNMA, FHA, VA, and USDA guidelines.
• Experience with an Automated Underwriting System (AUS) and other lending-specific software.
• Proficiency with loan origination systems and investor portals.

Responsibilities

• Maintain thorough knowledge of mortgage products, regulatory requirements, and investor guidelines.
• Prioritize daily tasks to meet service level agreements, compliance deadlines, and investor lock expirations.
• Review final settlement statements and perform required final updates in the loan origination system.
• Issue Post-Closing Compliance Documents within regulatory timelines.
• Conduct servicing exports, mortgage insurance activation or issuance, and MERS registration.
• Manage escrow holdbacks and coordinate with internal and external parties to ensure timely completion and distribution of funds.
• Order, track, and follow up on post-closing conditions and requirements, including tax transcripts and manufactured-home title eliminations.
• Complete tasks related to selling and shipping loan files to investors while ensuring compliance with investor requirements.
• Monitor, audit, and track trailing documents, such as recorded deeds of trust and final title policies, and follow up with vendors as needed.
• Track and resolve discrepancies or deficiencies in post-closing files to avoid investor penalties.
• Monitor and work recurring reports related to quality control and department auditing.
• Request and track sub-servicing corrections and updates.
• Provide internal, external, and member-servicing support on HELOC products.
• Identify opportunities to streamline processes and reduce inefficiencies.
• Maintain accurate records of loan activities in the Loan Origination System.
• Attend training sessions and team meetings to stay current on industry changes and organizational policies.

Benefits

• Medical, dental, vision, and life insurance.
• 20 days per year of paid time off and 10 paid holidays.
• 401(k) match.
• Incentive program.
• Tuition assistance and student loan repayment.
• Commuter benefits.
• Paid time off to volunteer in the community.
• Product discounts.
• Engaging work environment.
• Rewards and recognition programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED