Senior Post-Closing Processor

Fulton Bank, N.A.; Lancaster (Lancaster County); Hybrid; USD 39,000 - 61,000; Full time

Benefits offered by this job

Medical plans

HSA/FSA

Dental & Vision Insurance

Life insurance

401(k) with employer match

PTO incl. holidays

Disability insurance & parental leave

Adoption assistance

Education & wellness program

Job summary

Fulton Bank, N.A. is recruiting for a full-time mortgage document processor based out of VA Beach or Lancaster. The role reviews, audits, and finalizes closed mortgage loan files to ensure compliance with investor guidelines and regulatory standards.

Cross-training across departments, handling complex packages, and coordinating with investors are key aspects. The position requires 3+ years in banking or mortgage post-closing, strong mortgage knowledge, and LOS familiarity, with a hybrid work

Qualifications

• Ability to work independently with limited supervision.
• Strong knowledge of mortgage documents and investor guidelines.
• Familiarity with LOS systems (e.g., Encompass).
• Excellent attention to detail and organizational skills.

Responsibilities

• Process complex loan packages and mentor junior staff.
• Respond to investor suspense items and cure deficiencies.
• Prepare for investor audits and respond to findings.
• Scan and index mortgage closing documents for retention.
• Organize documents per investor and Fulton requirements.
• Deliver mortgage files to investors per commitments and deadlines.

Skills

Independent judgement

Mortgage documents knowledge

Encompass LOS

Attention to detail

Education

HS Diploma

Business administration (Preferred)

Tools

Job description

Job Locations

US-VA-Virginia Beach | US-PA-Lancaster

Value Proposition

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

Overview

This is a full-time, hybrid career opportunity based out of our Bonney Road office in Virginia Beach, VA or Corporate Headquarters location in Lancaster, PA.

Responsible for reviewing, auditing, and finalizing closed mortgage loan files to ensure compliance with investor and regulatory guidelines. This role ensures that all documents are complete, accurate, and properly executed before delivery to investors or custodians. Incumbents will be cross-trained across all departmental functions and will typically process loan documents with a higher level of complexity.

Responsibilities

• Process more complex loan packages, provide support within all processing functions, advise and mentor junior staff and resolve escalated issues.
• Respond to investor suspense items and cure deficiencies promptly.
• Assists in preparing for investor audits and regulatory examinations by organizing and validating documentation and responding to audit findings.
• Scan and index all mortgage closing loan documents and trailing packages to create a retention file for all residential mortgage loans.
• Organize loan documents in accordance with investor and Fulton Bank requirements. Ensure all documents required are present and properly executed. Ensure all conditions on the final commitment are accounted for. Contact the settlement agent or branch for any missing documentation, as necessary.
• Upload and deliver mortgage file to designated investors for all loans in accordance with the commitment and delivery expiration dates. Deliver mortgage collateral documents to loan services for all loans in a timely fashion.

Additional Responsibilities

• Track and resolve post-closing document deficiencies
• Assist in preparing and submitting trailing documents
• Perform necessary functions to secure insurance from Housing and Urban Development, VA, and USDA on all government insured loans.

Qualifications

Education

High School Diploma or equivalent. (Required)

High School Diploma or equivalent. Specialty: business administration. (Preferred)

Experience

3 or more years banking, mortgage lending, or post-closing. (Required)

Knowledge, Skills, and Abilities

• Ability to assume responsibility requiring independent judgement and work with limited instructions or supervision (Required)
• Strong knowledge of mortgage documents and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA). (Required)
• Familiarity with LOS systems (e.g., Encompass) (Required)
• Excellent attention to detail and organizational skills (Required)

Other Duties as Assigned by Manager

This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures and ensuring that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

Pay Transparency

To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location.

The hourly rate for this position is $18.56 - $29.38.

Benefits

• medical plans with prescription drug coverage
• flexible spending account or health savings account depending on the medical plan chosen
• dental and vision insurance
• life insurance
• 401(k) program with employer match and Employee Stock Purchase Plan
• paid time off programs including holiday pay and paid volunteer time
• disability insurance coverage and maternity and parental leave
• adoption assistance
• educational assistance and a robust wellness program with financial incentives

To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank.

EEO Statement

Fulton Bank (\"Fulton\") is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.

Sponsorship Statement

As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.