Post Closer

The Post Closer is responsible for reviewing, auditing, and delivering closed loan files for Bond and Correspondent loan programs. This position ensures all loan documentation complies with investor, agency, bond program, regulatory, and company requirements. The Post Closer works closely with Closing, Funding, Underwriting, and Correspondent Lending teams to resolve deficiencies and facilitate timely loan purchase and sale.

At UHM, we understand diversity comes in many different forms. It's our commitment to improve inclusion in the workplace through programs and policies that establish a positive and inclusive environment where every Partner, regardless of their background, can grow and excel. We value diversity, educate on equity, and create inclusive partner opportunities to ensure that you know #UBelongAtUHM!

DUTIES & RESPONSIBILITIES

Bond Loan Administration

• Review and process loans for compliance with state and local Housing Finance Agency (HFA) bond program requirements.
• Validate bond loan documentation
• Ensure compliance with bond program guidelines, including first-time homebuyer requirements and associated down payment assistance programs.
• Coordinate with bond administrators and agencies to resolve documentation deficiencies.
• Submit required bond packages and maintain program-specific tracking logs.

Correspondent Loan Delivery

• Prepare and deliver correspondent loan files to investors within required service-level agreements.
• Review investor-specific purchase advice and delivery requirements.
• Monitor outstanding conditions and coordinate with correspondent partners to obtain missing documentation.
• Ensure loans are accurately boarded and delivered through investor platforms.
• Resolve funding, purchase, and shipping exceptions to ensure timely purchase of loans.

Quality Control and Compliance

• Identify and correct documentation deficiencies, compliance exceptions, and data integrity issues.
• Maintain accurate records and audit trails for all loan files.
• Support internal and external audits related to post-closing activities.

Pipeline Management

• Track loan inventory and manage post-closing pipelines to meet purchase and delivery deadlines.
• Prioritize aged loans and escalate unresolved issues as necessary.
• Communicate status updates to management and business partners.
• Meet established productivity, quality, and turnaround time standards.

EDUCATION & EXPERIENCE

• High school diploma or equivalent required;
• Minimum 2-5 years of mortgage post-closing experience.
• Experience with Bond/HFA programs and Correspondent Lending preferred.
• Strong knowledge of conventional, government, and investor loan products.
• Familiarity with mortgage closing documents and loan delivery processes.
• Working knowledge of agency guidelines and mortgage compliance regulations.
• Proficiency with Encompass, loan origination systems, and investor delivery platforms.
• Strong attention to detail and organizational skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Excellent written and verbal communication skills.

Preferred Qualifications

• Experience with state housing finance agencies (HFA) and down payment assistance programs.
• Experience with collateral shipping, MERS registration, and final document tracking.
• Understanding of mortgage loan purchase review and investor suspense conditions.

SKILLS REQUIRED

• Mortgage post-closing expertise
• Bond program compliance
• Correspondent lending operations
• Investor delivery management
• Quality control and auditing
• Critical thinking and problem solving
• Time management and organization
• Team collaboration

This employer participates in E-Verify. If hired, the employer will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Union Home Mortgage Corp. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.