Mortgage Shipper

Commerce Bank•Kansas City, MO

12h•Onsite

About The Position

The main purpose of this job is to be responsible for the timely delivery, review, and cure of mortgage loan collateral following closing. This role ensures complete, accurate, and compliant final loan documentation is received, reviewed, recorded, and delivered to investors and custodians within required timelines. The position works closely with investors, title companies, secondary marketing, servicing, and internal operations to support loan purchase, pooling, and servicing transfer activities.

Requirements

Basic knowledge of mortgage industry guidelines and regulations
Strong customer service and problem‑resolution skills
Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
Basic level proficiency with Microsoft Word, Excel and Outlook
High School Diploma or equivalent combination of education and experience required
1+ year banking and/or title experience required

Nice To Haves

Mortgage and/or title company experience preferred

Responsibilities

Deliver closed loan files to investors electronically or via FedEx/UPS in accordance with investor and company requirements
Maintain on‑time delivery standards to support loan purchase and secondary marketing commitments and partner with that team to ensure accurate and timely delivery of all loan products, including the potential for government loan sales
Work directly with investors to clear post‑closing deficiencies and support funding and loan purchase
Check in original Notes daily and maintain accurate tracking and deliver regularly to servicing or custodial partners
Ensure proper endorsement and collateral handling standards are met, and follow up to obtain final/trailing documents via mail, email, and incoming mailroom scanning
Monitor and manage the Final Document mailbox and workflow queues.
Review recorded documents, including Deeds of Trust/Mortgages, Riders, and Assignments, for: correct vesting and borrower information, accurate recording data, proper execution, notarization, and signatures
Review final title insurance policies to ensure: correct insured lender, insured amount, and loan information and proper endorsements based on loan program and investor requirements
Match legal descriptions between title policies, security instruments, and riders to ensure enforceable lien position
Identify document defects or discrepancies and coordinate cures with title companies, investors, counties, and settlement agents
Track outstanding trailing documents and suspense items through resolution.
Ensure curative actions are completed within investor‑required timelines to mitigate risk and cost
Ensure Shipping documentation complies with federal, state, agency, and investor guidelines
Pay USDA Guaranty fees and support post‑closing government loan requirements as applicable.
Image, index, and maintain final documents accurately in the Loan Origination System.
Maintain audit‑ready loan files with clear documentation and resolution notes.
Assist the Fulfillment Center Supervisor with review of imaged loans for accuracy and completeness.
Collaborate cross‑functionally with Processing, Closing, Secondary Marketing, Compliance, and Servicing teams
Perform other duties as assigned