Mortgage Post-Closing Manager

JOB SUMMARY

The Mortgage Post-Closing Manager is responsible for overseeing all post-closing functions for the real estate lending department and serves as the primary point of contact for the credit union's subservicer, supporting both operational and member-related servicing needs. This role ensures loan files are complete, compliant, and delivered within investor and regulatory timelines; manages servicing retention and loan boarding; and maintains operational accuracy. The manager must possess strong expertise in agency delivery and servicing requirements to ensure quality, compliance, and efficiency across all post-closing operations.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Direct and manage the post-closing workflow ensuring files are complete, accurate, and compliant. Oversee collection, reconciliation, and delivery of trailing documents such as recorded mortgages, assignments, title policies, and subordinations. Implement and maintain effective quality control processes to minimize post-closing defects and investor conditions. Monitor the post-closing pipeline, ensuring timely resolution of exceptions and meeting delivery timelines to support liquidity and operational flow. Oversee the accurate boarding of real estate loans ensuring correct setup of escrow accounts, variable rate structures, payment schedules, MI details, and draw features. Monitor servicing performance indicators including first payment defaults, delinquency trends, escrow variances, HELOC utilization, and quality of servicing setup. Act as the main liaison between the credit union and the subservicer for all servicing-related matters. Support proper reporting, remittances, escrow administration, document retention, and custodial account compliance for agency loans. Ensure compliance with NCUA, Fannie Mae, Freddie Mac, FHA/VA, state regulatory requirements, and investor guidelines. Stay informed of industry changes affecting post-closing, loan delivery, and servicing standards. Create and maintain operating procedures for post-closing, investor delivery, loan boarding and investor servicing requirements. Lead, mentor, and manage a team, ensuring strong performance, process efficiency, and cross-training across all post-closing functions. Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members. Perform other duties as assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS

Bachelor's degree in business, finance, or related field preferred. 3+ years of experience in mortgage post-closing, secondary marketing, or servicing operations. Hands-on experience with agency and government loan delivery and servicing requirements. Prior leadership experience managing staff within mortgage operations. Experience servicing or working with or managing a mortgage subservicer strongly preferred. High level of accuracy, attention to detail, and analytical skillset. Excellent organizational, communication, and time-management abilities. If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screen that includes: Verification of education, employment and other pertinent data included on your employment application, and eligibility to work in the United States Criminal background check and drug screening Pre-employment credit check required Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.