SUMMARY  

The Post Closing Specialist is responsible for performing post-closing review and quality control activities for residential mortgage and home equity loan files. This individual contributor role reviews closed loan files for completeness, accuracy, and adherence to approved terms, internal policies, investor requirements, and applicable regulatory standards. 

The position identifies and tracks post-closing exceptions, obtains missing or corrected documentation, and works with internal partners and external parties to resolve deficiencies in a timely manner. The role supports file integrity, audit readiness, and effective risk management within the Bank’s residential lending operations. 

ESSENTIAL DUTIES AND RESPONSIBILITIES  

• Review closed residential mortgage and home equity loan files for completeness, accuracy, and compliance with closing instructions, approval terms, internal procedures, investor guidelines, and regulatory requirements. 
• Validate key post-closing documents, including notes, mortgages, closing disclosures, riders, title policies, insurance documentation, legal agreements, and other required loan file documents. 
• Identify, document, and track missing, incomplete, inaccurate, or improperly executed documents and post-closing exceptions. 
• Follow established procedures and timelines to obtain corrections, trailing documents, recorded instruments, final title policies, insurance updates, and other outstanding items. 
• Communicate with closing attorneys, title companies, settlement agents, borrowers, and internal teams to resolve documentation deficiencies. 
• Maintain accurate exception tracking records and update loan origination, servicing, or tracking systems as required. 
• Prepare, organize, and deliver complete loan files to appropriate internal departments, custodians, investors, or servicers as applicable. 
• Escalate complex, aging, or time-sensitive exceptions to the Post Closing Manager or similarly leveled manager. 
• Support internal audits, regulatory examinations, investor reviews, and quality control requests by maintaining organized and accurate documentation. 
• Assist in identifying recurring documentation issues and provide feedback to management to support process improvement. 
• Complete all internal Company training as assigned and required. 
• Adhere to the Company’s privacy and data security policies including but not limited to safeguarding of sensitive information and complying with relevant regulations to protect non-public information. 
• Exhibit the ability and desire to embrace and enhance the Company culture. 

Consider this description to be the foundation of your job, not its boundaries.? Expect to participate in internal and external training sessions and activities not described here which enhance the quality of service to the client. 

SUPERVISORY RESPONSIBILITIES 

• This position has no direct supervisory responsibilities. 
• May provide guidance or support to less experienced team members as requested by management. 

QUALIFICATIONS   

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

EDUCATION and/or EXPERIENCE  

• High school diploma or equivalent required; associate’s or bachelor’s degree preferred. 
• Minimum of two years of residential mortgage lending, loan operations, closing, post-closing, servicing, or quality control experience required; experience reviewing mortgage loan documents, resolving post-closing exceptions, and working with investor, regulatory, or audit requirements strongly preferred. 
• Experience reviewing mortgage loan documents and resolving documentation exceptions preferred. 

SKILLS 

• Basic knowledge of the banking and financial services industry including federal laws and regulations 
• Willingness to gain new knowledge and technical skills. 
• Intermediate typing skills to meet the production needs of the position. 
• Intermediate math skills: the ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide into all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including the drafting and interpretation of bar graphs. 
• Exceptional verbal, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze, and interpret documents and professional journals, understand procedures, write reports, correspondence, and procedures, speak clearly to customers and employees. 
• Working knowledge of residential mortgage closing and post-closing documentation. 
• Familiarity with regulatory requirements and investor guidelines applicable to residential mortgage loans, including TRID, RESPA, HMDA, and secondary market or portfolio requirements. 
• Ability to identify document discrepancies, missing information, and execution errors. 
• Strong organizational skills with the ability to manage multiple files, deadlines, and follow-up items. 
• High attention to detail and commitment to accuracy. 
• Effective written and verbal communication skills. 
• Ability to work collaboratively with internal departments and external parties. 
• Experience with Encompass or similar loan origination systems preferred. 
• Proficiency with Microsoft Office applications, including Word, Excel, and Outlook. 

ADDITIONAL JOB REQUIREMENTS / ADA CONSIDERATIONS 

The employee must be able to communicate effectively with internal and external stakeholders, including but not limited to, clients, prospects, employees, management, and external partners in person, by phone, virtually, and in writing; read, interpret, and prepare business, banking, regulatory, proposal, contract, and client documentation as applicable to the role; and apply business- and financial-related concepts, analysis, or calculations as appropriate to the role. Work is primarily performed in a professional office environment and may include client locations, meetings, presentations, conferences, association events, and other business development settings. The role requires regular use of a computer, phone, virtual meeting tools, and standard office technology; the ability to review screens and documents; occasional travel within the market area; and occasional lifting or moving of materials up to 10 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions, consistent with applicable law. 

PHYSICAL DEMANDS   

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is occasionally required to stand, walk; use sufficient hand, arm and finger dexterity or feel objects, tools, or controls. The employee must occasionally lift and/or move up to 10 pounds.  Specific vision abilities required by this job include close vision. 

WORK ENVIRONMENT   

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. 

Standard office environment with extended computer use. Must be able to manage time-sensitive work, maintain focus on detailed documentation review, and communicate effectively by phone, email, and in person. 

KEY POINTS 

For those seeking to deliver the latest financial solutions rooted in trustworthy, high-quality service, Charlesbridge, a mutual bank holding company, provides operational support, resources, legacy, and innovative thinking to financial institutions so they can deliver a suite of flexible, personalized solutions designed to meet the evolving needs of our clients and our communities. Our local roots, dedication to the communities we serve, loyalty to our people, and commitment to excellence ensure that we remain a trusted partner in an ever-evolving financial journey, today and tomorrow. ?While our employees are committed to helping our clients, we are committed to our employees. To support our employees, we offer a competitive benefit package with Medical, Dental, Vision, Flexible Spending, Tuition Reimbursement, Childcare Subsidy, Retirement, Life Insurance, and many other benefits. 

Charlesbridge is committed to providing equal opportunity for all employees and applicants without regard to race, color, religion, gender, sexual orientation, age, marital status, national origin, physical or mental disability, veteran or disability status, gender identity, or expression, citizenship, genetic information, ancestral origin, military status, pregnancy, childbirth, and or conditions relating to pregnancy or any other related medical conditions or any other status protected by Federal, State or local laws.  

Here at Charlesbridge, we strive to foster a culture where every voice is valued and where employees have a sense of belonging and connection with each other. We are dedicated to creating a work environment that understands, supports, and welcomes diverse perspectives and backgrounds. Together, we will create an inclusive and culturally competent and supportive environment where employees model behavior that enriches both Banks and the communities we support. 

PAY RANGE DISCLOSURE  

The pay range for this position is $25.74 to $33.19 per hour and is the lowest to highest amount Charlesbridge in good faith believe we would pay for this role at the time of this posting. The Company may ultimately pay more or less than the posted range, and the range may be modified in the future. An employee’s pay position within the range will be based on several factors including, but not limited to, relevant education, qualifications, certifications, experience, sales or revenue-based metrics, and business or organizational needs and affordability.

EOE/F/M/Vet/Disabled