Mortgage Loan Post Closer

BSI Financial Services; Irving (TX); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Competitive compensation

Full benefits package

401(k) with company matching

17 days PTO

9 company-paid holidays

Professional but casual work environment

Job summary

BSI Financial Services is seeking a full-time Mortgage Post Closer in Irving, Texas. This role involves coordinating the resolution of loan conditions identified by investors, ensuring timely purchase of loans, and updating investor suspense reports. Candidates should be detail-oriented, have strong problem-solving skills, and a minimum of three years’ experience in mortgage post-closing activities. Benefits include competitive compensation, medical, dental, vision, and 401(k) with company matching.

Qualifications

• Minimum of 3 years’ experience in residential mortgage post‑closing activities.
• Proficient in using loan origination systems.
• Understanding of mortgage lending origination requirements.

Responsibilities

• Review closed loan files for completeness prior to shipping to investors.
• Log updates from investors to the loan origination system (LOS).
• Track recorded documents and ensure timely delivery to the investor.

Skills

Detail-oriented

Strong problem-solving skills

Good communication skills

Teamwork

Ability to independently plan

Education

High school diploma or higher

Tools

MS Windows/Outlook

Encompass

Job description

Job Summary

The Mortgage Post Closer is responsible for coordinating the resolution of conditions identified by the investor during purchase review to enable the loans to be purchased in a timely manner. To resolve conditions, the post closer researches the loan file, clarifies any ambiguity or potential concerns with the investor, works with loan contributors and the appropriate departments to obtain additional or corrected documentation, and requests investor exceptions or reconsideration when appropriate. The Post Closer uses investor sites and the loan origination system to obtain daily suspense reports, upload documentation to the investor for curing and purchasing of loans, and provides updates on all conditioned loans in the Post Closer’s pipeline.

Responsibilities

• Reviews closed loan files for completeness prior to shipping to the investor.
• Retrieves loan file documentation and investor‑specific requirements for purchase.
• Delivers imaged loan files and some original documents to the investor.
• Reviews investor suspense reports daily to identify loans that have been suspended for purchase.
• Logs updates from investors to the LOS.
• Reviews and obtains clarity from the investor when needed to determine the suspense item and requirements to cure the defect.
• Reviews loan file to determine if suspense information is available and works with internal and external resources to obtain needed documentation to cure suspense items timely.
• Uploads suspense documents to the LOS and investor sites for review and purchasing of loans.
• Notifies management of incurable defects or unresponsive internal or external resources.
• Submits loan packages to obtain insurance or guaranty.
• Tracks recorded documents and ensures timely delivery to the investor.

Qualifications

• Ability to work independently with minimal supervision.
• Must be detail‑oriented.
• Proficient in MS Windows/Outlook and LOS (Encompass experience preferable).
• Strong problem‑solving skills.
• Good communication skills and teamwork.
• Ability to independently plan, prioritize, organize and complete work efficiently.
• Understanding of mortgage lending origination requirements, including applicable laws and regulations.

Work Environment

This job operates in a professional office environment. The role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type and Expected Hours of Work

This is a full‑time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m.

Education and Experience

• High school diploma or higher.
• Minimum of 3 years’ experience in residential mortgage post‑closing activities.
• Experience using loan origination systems and familiarity with navigating investor and agency sites.

Benefits

• Competitive compensation and full benefits package including medical, dental, and vision.
• 100% company‑paid life insurance and disability coverage.
• 401(k) with company matching.
• 17 days PTO (increases with tenure) and 9 company‑paid holidays.
• Professional but casual work environment and great team culture.

EEO Statement

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status, or any other characteristic protected by law.