Remote Post-Closing Underwriter: Salability & Compliance

Lendz Financial; United States; Remote; USD 70,000 - 100,000; Full time

Job summary

Lendz Financial seeks an experienced Post-Closing Underwriter to join our Operations team. You will ensure loans are accurately completed, purchased, and delivered with high quality while protecting salability and file integrity.

In this fully remote role, you will review closing docs, monitor trailing documents, and coordinate with multiple departments to resolve deficiencies, staying current on Non-QM guidelines and investor requirements.

Qualifications

• 3+ years of mortgage underwriting, post-closing, closing, collateral, funding, quality control, or related mortgage operations experience.
• Strong understanding of residential mortgage loan documentation and post-closing workflows.
• Experience reviewing closed loan packages for accuracy, completeness, and investor compliance.
• Familiarity with Non-QM loan products, including Bank Statement programs, DSCR, Asset Utilization, and 1099 income loans.
• Working knowledge of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements.
• Understanding of collateral management, trailing document processes, investor delivery requirements, and loan salability standards.
• Ability to identify documentation deficiencies, assess materiality, and resolve issues efficiently.
• Strong written and verbal communication skills, with the ability to work effectively across multiple departments and external partners.

Responsibilities

• Conduct detailed post-closing reviews of residential mortgage loan files to ensure accuracy, completeness, and salability.
• Review executed loan documents for compliance with company, investor, agency, and regulatory requirements.
• Audit closed loan packages to identify missing documentation, document discrepancies, signature deficiencies, and data inconsistencies.
• Coordinate with Closing, Processing, Underwriting, Account Management, and external settlement partners to obtain required corrections and trailing documents.
• Manage post-closing conditions and clear outstanding deficiencies in a timely manner.
• Ensure collateral files are complete, accurately imaged, and prepared for investor purchase and delivery.
• Review final loan documentation for adherence to product guidelines, closing instructions, and internal policies.
• Monitor and track trailing documents, including recorded mortgages, final title policies, assignments, and other collateral-related items.
• Assist with investor purchase suspense resolution and respond to post-purchase documentation requests.
• Support loan boarding, shipping, and investor delivery processes as applicable.
• Maintain accurate records of post-closing activity, exception tracking, and document status reporting.
• Partner cross-functionally with Operations, Underwriting, Secondary Marketing, Compliance, and Quality Control teams to resolve file-level issues efficiently.
• Identify recurring documentation or process deficiencies and provide recommendations for operational improvements.
• Support internal audits, due diligence reviews, regulatory examinations, and investor inquiries as needed.
• Stay current on Non-QM product requirements, investor guidelines, and applicable federal and state regulations.
• Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement.

Skills

Mortgage underwriting

Post-closing

Investor delivery

Collateral review

Documentation

Compliance knowledge

Organizational skills

Communication

Tools

Mortgage LOS

Document management

MS Office

Job description

Lendz Financial seeks an experienced Post-Closing Underwriter to join our Operations team. You will ensure loans are accurately completed, purchased, and delivered with high quality while protecting salability and file integrity.

In this fully remote role, you will review closing docs, monitor trailing documents, and coordinate with multiple departments to resolve deficiencies, staying current on Non-QM guidelines and investor requirements.