Mortgage Post-Closing Booking & Retention Specialist

SouthState Bank; Charleston (SC); On-site; USD 42,000 - 62,000; Full time

Job summary

SouthState Bank is seeking a post-closing specialist to track all closed mortgage loans from disbursement through shipping to the designated investor at our Charleston Operations Center. The role emphasizes accuracy, timely processing, and adherence to corporate procedures.

You will perfect loans for deficiencies, obtain documentation, monitor shipments to agencies and investors, and assist with audits when time permits.

Qualifications

• Minimum 2 years of experience in Mortgage Loan documentation preferred.
• Understanding of basic mortgage stages is preferred.
• Experience with Encompass is a plus, not required.

Responsibilities

• Check in all executed closed loan packages in a timely manner from the settlement agent.
• Deliver loans to agencies and third-party investors within delivery expirations.
• Follow up on post-closing deficiencies and obtain documentation to correct them for sale.
• Monitor delivered loans and collaborate with internal partners to obtain and submit supporting documentation to investors.
• Assist with audits of loans when time permits.
• Maintain accurate tracking and reporting and meet deadlines with high accuracy.

Skills

Diligence

Planning & organizing

Communication

Interpersonal skills

Flexibility

Attention to detail

Computer skills

Education

High School diploma

Tools

Encompass

Job description

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

SUMMARY/OBJECTIVES

The post-closing specialist will be responsible for tracking all closed mortgage loans from disbursement through shipping the loan to the designated investor. This includes perfecting the loan for deficiencies and corrections to the servicing system. Ensures compliance with SouthState Bank Corporate Code of Conduct and Ethics and other operating procedures. This position is based onsite at our Charleston Operations Center.

ESSENTIAL FUNCTIONS

• Check in all executed closed loan packages in a timely manner from the settlement agent and follow up on closed loan packages not received.
• To become familiar with all aspects of shipping and delivering loans into the secondary market. Responsible for timely and successful delivery of loans to agencies and third-party investors within delivery expirations and working on a first-in-first-out perspective.
• Follow up on internal post-closing deficiencies and obtain the appropriate documentation to correct the deficiency so the loan can be committed for sale.
• Monitor delivered service released loans and collaborate with internal partners to obtain, review, and submit supporting documentation to the investor so the loan can be purchased.
• In addition, to the other duties above this person would also overflow to assist with the audit of loans when time permits.
• Maintains accurate tracking and reporting; provides pertinent information on a timely basis; consistently completes all tasks according to policy/procedure and standard; maintains sense of urgency and understanding of the importance in meeting deadlines. A high accuracy level is critical in this position.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

• Diligence- Must have the ability to pull and analyze daily reports associated with each task for accuracy
• Planning and Organizing – Ability to interpret instructions and written procedures. Ability to concentrate on details in a demanding environment. Ability to recognize out of the ordinary situations and seek advice or assistance when necessary.
• Communication – Ability to work effectively with both internal and external clients by phone and/ or email. Communicate clearly and concisely with appropriate partners regarding resolution of conditions.
• Interpersonal Relationships - Demonstrates appropriate and professional behavior in a fast-paced team environment and projects a professional image; always uses a high degree of tact and diplomacy.
• Flexibility: Ability to organize and plan work effectively with little supervision. Ability to keep up on procedural aspects of the job. The ideal candidate must be a collaborator, customer-oriented, flexible and have a cheerful outlook.
• Additional requirements include strong computer skills, organizational skills, and ability to prioritize and manage multiple functions simultaneously and accurate record keeping.

Qualifications, Education, and Certification Requirements

• Education: High School diploma.
• Minimum 2 years of experience in Mortgage Loan documentation and understanding of basic mortgage stages preferred
• Preferred experience with Encompass but not required

TRAINING REQUIREMENTS/CLASSES

Required annual compliance training, New Employee Orientation

PHYSICAL DEMANDS

Must be able to stand and/or sit for extended periods of time. Must be able to effectively access and interpret information on computer screens, documents, and reports.

Reasonable accommodations made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT

This position is located in-office.

TRAVEL

May have occasional travel.

Work Location: 2440 Mall Drive North Charleston, South Carolina 29406

Equal Opportunity Employer, including disabled/veterans.