Home Mortgage Post Closing Specialist

Citizens Financial Group • Franklin, TN

1d • Onsite

About The Position

As the Home Mortgage Post Closing Specialist, you will be responsible for managing warehouse unpurchased loan pipelines, obtaining necessary documentation to perfect a loan for delivery to investors or insurance with an agency, performing compliance and ad hoc audits, providing suspense and error trend analysis to the operations centers and addressing other issues which may arise after loan closing. You will be responsible for a variety of functions within post-closing including but not limited to; clearing investor or agency suspense conditions, working with EMB lenders, title companies or counties to address outstanding final documents, working with borrowers to address loan deficiencies to allow insuring or guaranty of government loans, management of the escrow holdback process, performing compliance audits, ordering property inspections on properties located in disaster areas and resolving other issues which arise post-closing. Primary responsibilities include Review and audit required closing documents from closing agents and ensure all funding conditions have been satisfied including reviewing and auditing all original and final CD closing disclosure for any changes. Ensure all loan documents meet applicable Citizens Bank, State and Federal compliance regulations. Coordinate with closing agent and broker to gather any missing items at closing. Final document follow up. Release funding number to closing agent once all reviews and audits are complete. Disaster Inspections.

Requirements

• Home mortgage operations, post-closing, collateral and final documents experience.
• Strong attention to detail and organizational skills.
• Ability to manage multiple priorities.

Responsibilities

• Manage warehouse unpurchased loan pipelines.
• Obtain necessary documentation to perfect a loan for delivery to investors or insurance with an agency.
• Perform compliance and ad hoc audits.
• Provide suspense and error trend analysis to the operations centers.
• Address other issues which may arise after loan closing.
• Clear investor or agency suspense conditions.
• Work with EMB lenders, title companies or counties to address outstanding final documents.
• Work with borrowers to address loan deficiencies to allow insuring or guaranty of government loans.
• Manage the escrow holdback process.
• Order property inspections on properties located in disaster areas.
• Review and audit required closing documents from closing agents and ensure all funding conditions have been satisfied.
• Review and audit all original and final CD closing disclosure for any changes.
• Ensure all loan documents meet applicable Citizens Bank, State and Federal compliance regulations.
• Coordinate with closing agent and broker to gather any missing items at closing.
• Final document follow up.
• Release funding number to closing agent once all reviews and audits are complete.
• Handle disaster inspections.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed