Post Closing Banking Specialist

Heritage Bank NA • Willmar, MN

3d • $21 - $31 • Hybrid

About The Position

The Post-Closing Banking Specialist is an in-branch role that combines mortgage post-closing expertise with retail banking support. The position is assigned to work in a branch in Spicer, Pennock, Raymond, or Willmar. It provides an additional on-site staff presence, especially in smaller or lower traffic branches, while completing post-closing responsibilities and supporting branch customers throughout the workday. This position requires strong mortgage post-closing experience, regular in-person branch presence, and flexibility to support customers and employees across our MN branches. Digital, phone, chat, and email support supplements the role's primary in-branch responsibilities.

Requirements

• Minimum of two years of mortgage post-closing, mortgage operations, mortgage servicing, loan administration, or related banking experience required.
• Retail banking, teller, or customer service experience preferred.
• Experience working with mortgage closing packages, investor delivery requirements, collateral documentation, and post-closing functions required.
• Secondary market or investor delivery experience preferred.
• Strong knowledge of mortgage post-closing processes and regulatory requirements.
• Understanding of conventional, FHA, VA, USDA, and portfolio mortgage products.
• Excellent customer service and communication skills.
• Strong attention to detail and organizational skills.
• Ability to manage multiple priorities and work independently.
• Ability to work on-site and travel among the Spicer, Pennock, Raymond, and Willmar branches as assigned.
• Proficiency with Microsoft Office, Encompass, and banking software platforms.
• Ability to maintain confidentiality and handle sensitive customer information.

Nice To Haves

• Associate degree in Business, Finance, Accounting, Banking, or a related field preferred.
• Equivalent mortgage or banking experience may be considered.

Responsibilities

• Review closed mortgage loan files for completeness, accuracy, and compliance with investor, agency, and regulatory requirements.
• Complete post-closing audits and resolve outstanding conditions, deficiencies, and documentation exceptions.
• Prepare and deliver loan packages to investors, agencies, warehouse lenders, and custodians within required timelines.
• Monitor and clear trailing documents, including recorded mortgages, title policies, final inspections, and other required collateral documentation.
• Coordinate corrections and curative actions with closing, processing, underwriting, title companies, attorneys, investors, and internal business partners.
• Ensure accurate delivery of loan data, documents, and certifications to secondary market investors and custodians.
• Track post-closing pipelines and maintain aging reports to ensure timely completion of loan sale and collateral requirements.
• Review and process investor purchase conditions, suspense items, and funding exceptions.
• Manage mortgage electronic document storage, imaging, indexing, and retention requirements.
• Assist with investor audits, internal audits, quality control reviews, compliance examinations, and documentation requests.
• Maintain knowledge of agency, investor, and regulatory requirements including FNMA, FHLMC, FHA, VA, USDA, TRID, HMDA, RESPA, and other applicable mortgage regulations.
• Identify process improvement opportunities and support operational efficiency initiatives.
• Assist with collateral file maintenance, document tracking, shipping, certification, and delivery requirements.
• Support mortgage quality control activities and remediation of identified findings.
• Work on-site in a Spicer, Pennock, Raymond, or Willmar branch and provide daily retail coverage based on staffing and business needs.
• Assist customers with deposits, withdrawals, transfers, loan payments, cashier’s checks, and other teller transactions.
• Support account opening and account maintenance activities as needed.
• Deliver outstanding customer service through in-person, phone, email, chat, and digital channels.
• Educate customers on digital banking tools, payment options, and self-service resources.
• Assist branch teams during vacation coverage, staffing shortages, training periods, or special projects.
• Serve as an additional on-site staff member in smaller or lower-traffic branches while completing loan servicing work and remaining available to assist branch customers.
• Maintain cash handling, balancing, security, and dual control procedures when assigned retail responsibilities.
• May serve as the designated owner and subject matter expert for assigned retail banking procedures, providing training, maintaining documentation, supporting process improvements, and acting as a resource for branch teams.
• Participates in all required BSA training and demonstrates knowledge of BSA relative to job responsibilities.
• Responsible for security as it applies to this position.
• Other duties as assigned.
• Support organizational success by contributing wherever needed and maintaining a team-first mindset

Benefits

• paid time off
• paid holidays
• paid volunteer days
• medical insurance
• dental insurance
• vision insurance
• 401(k)
• ESOP retirement plans

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree