Post Closing Banking Specialist

Heritage-Bank-Na; Willmar (MN); On-site; USD 59,548,000 - 89,257,000; Full time

Benefits offered by this job

Paid time off

Paid holidays

Volunteer days

Medical, dental, vision insurance

401(k) and ESOP

Job summary

Heritage Bank NA is seeking a Post-Closing Banking Specialist to join our team in Minnesota. The role combines mortgage post-closing expertise with retail banking support, primarily in-branch, across Spicer, Pennock, Raymond, and Willmar.

You will handle post-closing duties, support branch customers, and travel among MN branches as needed to provide on-site coverage and collaboration with other teams.

Qualifications

• Associate degree in Business, Finance, Accounting, Banking, or a related field preferred.
• Equivalent mortgage or banking experience may be considered.
• Minimum of two years of mortgage post-closing, mortgage operations, mortgage servicing, loan administration, or related banking experience required.
• Retail banking, teller, or customer service experience preferred.
• Experience with mortgage closing packages, investor delivery requirements, collateral documentation, and post-closing functions required.
• Secondary market or investor delivery experience preferred.

Responsibilities

• Review closed mortgage loan files for completeness, accuracy, and regulatory compliance.
• Complete post-closing audits and resolve conditions, deficiencies, and documentation exceptions.
• Prepare and deliver loan packages to investors, agencies, warehouses, and custodians within timelines.
• Monitor and clear trailing documents and collateral documentation.
• Coordinate corrections and curative actions with closing, processing, underwriting, title companies, investors and internal partners.
• Ensure accurate delivery of loan data and certifications to investors and custodians.

Skills

Mortgage post-closing experience

Customer service

Regulatory compliance

Education

Associate degree in Business/Finance/Accounting/Banking

Equiv mortgage/banking experience

Tools

Microsoft Office

Encompass

Banking software

Job description

Description

Position Summary

The Post-Closing Banking Specialist is an in-branch role that combines mortgage post-closing expertise with retail banking support. The position is assigned to work in a branch in Spicer, Pennock, Raymond, or Willmar. It provides an additional on-site staff presence, especially in smaller or lower traffic branches, while completing post-closing responsibilities and supporting branch customers throughout the workday.

This position requires strong mortgage post-closing experience, regular in-person branch presence, and flexibility to support customers and employees across our MN branches. Digital, phone, chat, and email support supplements the role's primary in-branch responsibilities.

Core Responsibilities

Mortgage Post-Closing and Operational Support (70-80%)

• Review closed mortgage loan files for completeness, accuracy, and compliance with investor, agency, and regulatory requirements.
• Complete post-closing audits and resolve outstanding conditions, deficiencies, and documentation exceptions.
• Prepare and deliver loan packages to investors, agencies, warehouse lenders, and custodians within required timelines.
• Monitor and clear trailing documents, including recorded mortgages, title policies, final inspections, and other required collateral documentation.
• Coordinate corrections and curative actions with closing, processing, underwriting, title companies, attorneys, investors, and internal business partners.
• Ensure accurate delivery of loan data, documents, and certifications to secondary market investors and custodians.
• Track post-closing pipelines and maintain aging reports to ensure timely completion of loan sale and collateral requirements.
• Review and process investor purchase conditions, suspense items, and funding exceptions.
• Manage mortgage electronic document storage, imaging, indexing, and retention requirements.
• Assist with investor audits, internal audits, quality control reviews, compliance examinations, and documentation requests.
• Maintain knowledge of agency, investor, and regulatory requirements including FNMA, FHLMC, FHA, VA, USDA, TRID, HMDA, RESPA, and other applicable mortgage regulations.
• Identify process improvement opportunities and support operational efficiency initiatives.
• Assist with collateral file maintenance, document tracking, shipping, certification, and delivery requirements.
• Support mortgage quality control activities and remediation of identified findings.

Branch Banking and Customer Support (20-30%)

• Work on-site in a Spicer, Pennock, Raymond, or Willmar branch and provide daily retail coverage based on staffing and business needs.
• Assist customers with deposits, withdrawals, transfers, loan payments, cashier’s checks, and other teller transactions.
• Support account opening and account maintenance activities as needed.
• Deliver outstanding customer service through in-person, phone, email, chat, and digital channels.
• Educate customers on digital banking tools, payment options, and self-service resources.
• Assist branch teams during vacation coverage, staffing shortages, training periods, or special projects.
• Serve as an additional on-site staff member in smaller or lower-traffic branches while completing loan servicing work and remaining available to assist branch customers.
• Maintain cash handling, balancing, security, and dual control procedures when assigned retail responsibilities.
• May serve as the designated owner and subject matter expert for assigned retail banking procedures, providing training, maintaining documentation, supporting process improvements, and acting as a resource for branch teams.

Secondary Responsibilities

• Participates in all required BSA training and demonstrates knowledge of BSA relative to job responsibilities.
• Responsible for security as it applies to this position.
• Other duties as assigned.
• Support organizational success by contributing wherever needed and maintaining a team-first mindset.

Bank Standards

• Mission: Help people succeed financially.
• Ethics: Always do the right thing.
• Solutions: Bring innovative solutions to challenges.
• Ownership: Take accountability and learn from our mistakes.
• Positivity: Bring energy and enthusiasm to everything we do.

Compensation & Benefits

Get ready to be rewarded! This position provides an hourly range of $20.77 - $31.15. Full-time team members enjoy a comprehensive benefits package including paid time off, paid holidays, and even paid volunteer days. Your health is covered with medical, dental, and vision insurance, plus plan for your future with our 401(k) and ESOP retirement plans. Enjoy additional benefits and incentives consistent with our company policy. Join us and discover how rewarding your career can be!

Disclaimer

This job description outlines the general nature of the role and is not intended to be all-inclusive. Duties, responsibilities, and benefits may change as business needs evolve. Employment is at will, meaning either the employee or the Company may end the employment relationship at any time, consistent with applicable law.

We are an Equal Opportunity Employer and value diversity at all levels of the organization.

Requirements

Qualifications

Education

• Associate degree in Business, Finance, Accounting, Banking, or a related field preferred.
• Equivalent mortgage or banking experience may be considered.

Experience

• Minimum of two years of mortgage post-closing, mortgage operations, mortgage servicing, loan administration, or related banking experience required.
• Retail banking, teller, or customer service experience preferred.
• Experience working with mortgage closing packages, investor delivery requirements, collateral documentation, and post-closing functions required.
• Secondary market or investor delivery experience preferred.

Knowledge, Skills, and Abilities

• Strong knowledge of mortgage post-closing processes and regulatory requirements.
• Understanding of conventional, FHA, VA, USDA, and portfolio mortgage products.
• Excellent customer service and communication skills.
• Strong attention to detail and organizational skills.
• Ability to manage multiple priorities and work independently.
• Ability to work on-site and travel among the Spicer, Pennock, Raymond, and Willmar branches as assigned.
• Proficiency with Microsoft Office, Encompass, and banking software platforms.
• Ability to maintain confidentiality and handle sensitive customer information.