Home Mortgage Post Closing Specialist

Citizens; Franklin (TN); On-site; USD 50,000 - 70,000; Full time

Job summary

Citizens in Franklin, TN is seeking a Home Mortgage Post Closing Specialist to manage warehouse unpurchased loan pipelines and perfect loans for delivery to investors or agencies. You will perform compliance audits, address post-closing issues, and collaborate with title companies, counties, and borrowers to clear outstanding items.

The role involves reviewing closing disclosures, ensuring funding conditions are satisfied, and coordinating with agents to gather missing documents.

Qualifications

• Post-closing mortgage operations experience.
• Strong attention to detail and organizational skills.
• Ability to manage multiple priorities.

Responsibilities

• Review closing documents and ensure funding conditions are met.
• Audit documents for compliance with Citizens and regulatory standards.
• Coordinate with closing agents and brokers to gather missing items.
• Follow up on final documentation and release funding numbers.
• Perform disaster inspections and escalate issues as needed.

Skills

Post closing

Mortgage operations

Attention to detail

Multitasking

Tools

Excel

Job description

Description

As the Home Mortgage Post Closing Specialist, you will be responsible for managing warehouse unpurchased loan pipelines, obtaining necessary documentation to perfect a loan for delivery to investors or insurance with an agency, performing compliance and ad hoc audits, providing suspense and error trend analysis to the operations centers and addressing other issues which may arise after loan closing. You will be responsible for a variety of functions within post-closing including but not limited to; clearing investor or agency suspense conditions, working with EMB lenders, title companies or counties to address outstanding final documents, working with borrowers to address loan deficiencies to allow insuring or guaranty of government loans, management of the escrow holdback process, performing compliance audits, ordering property inspections on properties located in disaster areas and resolving other issues which arise post-closing.

Primary Responsibilities Include

• Review and audit required closing documents from closing agents and ensure all funding conditions have been satisfied including reviewing and auditing all original and final CD closing disclosure for any changes.
• Ensure all loan documents meet applicable Citizens Bank, State and Federal compliance regulations.
• Coordinate with closing agent and broker to gather any missing items at closing.
• Final document follow up.
• Release funding number to closing agent once all reviews and audits are complete.
• Disaster Inspections.

Qualifications

• Home mortgage operations, post-closing, collateral and final documents
• Strong attention to detail and organizational skills
• Ability to manage multiple priorities

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: 8-5 - In office position in Franklin, TN

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Posting End Date: 09/30/2026