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.