• Post Closer - Temporary

    Location US-NY-Long Island City
  • Overview

    Responsible for the stacking and preliminary review of all closed mortgage and equity loan files to ensure compliance with UNFCU and regulatory requirements, including reviewing closing legal documents.  Assumes responsibility for reviewing booking/disbursement of loans and follow-up for final/completed packages.


    • Stack and assemble mortgage and equity closing packages in preparation for imaging and filing.
    • Maintain post closing tracking of recorded and legal documentation in mortgage software system.
    • Perform pre-funding quality control in accordance with secondary market guidelines.
    • Perform accurate review of closed loan documents including but not limited to Note, Mortgage Title Commitment, HUD-1 and insurance.
    • Create new legal file and ensure that consolidation documentation is transferred to new file on CEMA refinances.
    • Ensure that documents are consistent in their compliance with the loan closing instructions, the title commitment and the purchase contract.
    • Ensure that all underwriting and closing conditions have been cleared.
    • Maintain direct communication with closing department, title insurance companies, homeowner’s insurance companies, attorneys and any other party to the transaction to ensure receipt of accurate final documents in a timely manner.
    • Coordinate changes, revisions, and corrections with the mortgage documents, closing agents, vendors, or mortgage insurance companies.
    • Prepare tax forms for submission to tax service vendor within one month of closing. Review legal description of the property.
    • Examine settlement statements to review accuracy of escrow disbursements.
    • Review of title Alta and hazard/flood insurance policies for accuracy, completeness and compliance with state, Federal and UNFCU policies and procedures.
    • Verify the data in the closing module conforms to the data in the loan file.
    • Reconcile errors, omissions and discrepancies in loan booking.
    • Review of new loans on the system once loans have funded.
    • Review closed loan files to ensure completeness and compliance with UNFCU and appropriate regulations.
    • Assist in problem resolution, i.e. title problems, missing documents, assignments, etc., of closed files.
    • Participate in UNFCU training programs i.e. BEST.
    • Process and deliver to secondary market loan collateral loans held for sale
    • Assist in maintaining the file room documentation.
    • Perform other duties as requested by management.
    • Perform Pre and Post Funding loan reviews, uploading loans files to third party vendors.
    • Responsible for timely research, response and required corrections with Vendor.
    • Required to work with Attorneys and Settlement agents to obtain recorded documentation and Alta Title Policies and update LOS with recorded information


    • Bachelor’s degree and 2 years of experience in a mortgage loan post closing, processing or closing environment


    • Knowledge of mortgage loan products, policies and procedures
    • Basic understanding of real estate closing procedures
    • Familiar with CFPB, secondary market loans, RESPA, Regulation Z, title insurance, title reports, notes mortgages and related documentation
    • Proficiency in applicable PC/software skills (familiarity with mortgage processing/closing software desired)
    • Excellent sales/customer service skills


    • Excellent communication skills, both verbal and written
    • Strong attention to detail
    • Professional appearance and willingness to work flexible work hours


    • Standard office conditions


    In addition to any specific job requirements in connection with Bank Secrecy Act and/or OFAC (BSA), employee must (i) be aware of BSA matters commensurate with the position; (ii) report any suspicious activity to the manager or compliance department; and (iii) satisfactorily complete any required BSA training.


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