Mortgage Loan Post-Closing Specialist

Peoples Bank and Trust; McPherson (KS); On-site; USD 42,000 - 62,000; Full time

Job summary

Peoples Bank and Trust seeks a Mortgage Loan Post-Closing Specialist to finalize documentation, fund loans, and coordinate investor deliveries. You will ensure compliance, maintain records, and resolve post-closing issues with clients, lenders, and agents.

The role requires attention to detail, banking experience, and strong communication skills to partner with internal staff and investors for timely loan funding and sale in the secondary market.

Qualifications

• Education/certification: High School Diploma or equivalent required
• Required knowledge: Full knowledge of loan services offered by Peoples Bank and Trust and related policies
• Experience: 2+ years banking experience preferred

Responsibilities

• Retrieve all necessary documentation on new closed loans from sources as required by bank policy and loan regulation for loan funding
• Ensure required documentation is received, completed, and ready for loan funding for all mortgage loan closings
• Input new and/or updated loan document images and information into database for tracking and reporting
• Prepare and submit documents for recording with appropriate county as needed
• Monitor and confirm recording of documents such as deeds and mortgages
• Follow up on outstanding documents or signatures post-closing
• Maintain accurate transaction files and update internal databases and tracking systems
• Communicate with clients, lenders, real estate agents, and internal staff to resolve post-closing issues
• Adhere to compliance standards and regulatory requirements
• Package and sell closed mortgage loans to approved investors in the secondary market
• Ensure loan meets investor eligibility and underwriting requirements
• Prepare and submit investor delivery data, collateral documents, and shipping information
• Maintain records and systems to track loan sales, margins, pricing, and profitability

Skills

Attention to detail

Written and verbal communication

Self-motivation

Self-management

Follow through

Problem solving

Organized

Analytical

Interpersonal

Customer relationship building

Time management

Computer literacy

Multi-tasking

Education

High School Diploma or equivalent

Job description

ROLE

The Mortgage Loan Post-Closing Specialist works to complete any administrative tasks necessary to book and fund new mortgage loans. This position is responsible for selling and delivering loans to multiple investors, per investor guidelines, and any other tasks necessary to close out the new loan process.

ESSENTIAL FUNCTIONS

This position is responsible for the following functions:

Loan Documentation

• Retrieve all necessary documentation on new closed loans from appropriate sources as required by bank policy and loan regulation for loan funding
• Ensure required documentation is received, completed, and ready for loan funding for all mortgage loan closings
• Input new and/or updated loan document images and information into database for tracking and reporting
• Prepare and submit documents for recording with appropriate county as needed
• Monitor and confirm the successful recording of documents such as deeds and mortgages
• Follow up on outstanding documents or signatures post-closing
• Maintain accurate transaction files and update internal databases and tracking systems
• Communicate with clients, lenders, real estate agents, and internal staff to resolve post-closing issues
• Adhere to compliance standards and regulatory requirements
• Package and sell closed mortgage loans to approved investors in the secondary market
• Ensure loan meets investor eligibility and underwriting requirements
• Prepare and submit investor delivery data, collateral documents, and shipping information
• Maintain records and systems to track loan sales, margins, pricing, and profitability

Customer Service

• Demonstrate a commitment to PBT’s customer service philosophy
• Provide courteous service to loan and deposit customers in person, over the phone, and through email communications

Various other duties as assigned

QUALIFICATIONS

EDUCATION/CERTIFICATION: High School Diploma or equivalent required
REQUIRED KNOWLEDGE: Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all PBT policies and procedures related to mortgage loan services provided, knowledge of reports required to maintain and track outstanding loans
EXPERIENCE REQUIRED: 2+ years banking experience preferred
SKILLS/ABILITIES: Attention to detail, strong written and verbal communication skills, self-motivation, self-management, ability to consistently follow through on tasks, problem solving, organized, analytical, interpersonal, customer relationship building, time management, computer literacy, strong ability to multi-task

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

TALKING: Ability to speak effectively and communicate clearly
AVERAGE HEARING: Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel
REPETITIVE MOTION: The employee is regularly required to type throughout the day
FINGER DEXTERITY: The employee is regularly required to use hands to type and maneuver a mouse
AVERAGE VISION: Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and the ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)
PHYSICAL STRENGTH: The employee must occasionally lift and/or move up to 20 pounds (unassisted) as well as stand, sit, bend, kneel, squat, and walk for long periods of time

WORKING CONDITIONS

General professional office environment with climate control. Adequate lighting. Occasional additional hours outside of regular bank service hours to complete tasks.

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

REASONING ABILITY: Ability to deal with a variety of variables under only limited standardization.
MATHEMATICS ABILITY: Strong numeric capabilities; Ability to add, subtract, multiply and divide in all units of measure using whole numbers and common fractions.
LANGUAGE ABILITY: Ability to read, analyze, and interpret documents. Ability to communicate clearly.

INTENT AND FUNCTION OF JOB DESCRIPTIONS

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.