Post-Closing Final Documents Specialist - CoOp & CEMA

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.

A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview:
The Post-Closing Final Documents Specialist of Cooperative & CEMA Loans is responsible for the end-to-end post-closing processing, review, curing, and delivery of trailing documents for cooperative mortgage loans and Consolidation, Extension, and Modification Agreements (CEMAs). This role requires advanced knowledge of New York recording requirements, cooperative housing documentation, and investor-specific trailing document standards.
The Post-Closing Final Documents Specialist – CoOp & CEMA ensures all final documents are accurate, compliant, recorded, and delivered within required investor timelines, with a high degree of precision and ownership over an assigned pipeline.

Job Responsibilities:

• Review executed cooperative loan closing packages for completeness and accuracy, including recognition agreements, proprietary lease and stock certificate documentation, UCC‑1 financing statements, and cooperative assignments and applicable riders.
• Confirm compliance with cooperative corporation requirements, managing agent instructions, and investor guidelines.
• Track, follow up, and cure missing or defective cooperative-specific trailing documents.
• Review and process executed CEMA packages to ensure the accuracy of the Consolidation, Extension, and Modification Agreement, prior note and mortgage references, and all related gap mortgages, assignments, and satisfactions.
• Coordinate with settlement agents, recording offices, and title companies to ensure correct recording order, proper indexing, and the timely return of recorded instruments.
• Identify and resolve recording rejections, document discrepancies, or title defects impacting the CEMA structure.
• Actively manage a dedicated pipeline of cooperative and CEMA loans.
• Obtain, review, and submit all required trailing documents within investor timelines, including recorded mortgages and CEMAs, assignments and satisfactions, and UCC filings and amendments.
• Upload documents to loan onboarding and document management systems with accurate indexing and metadata.
• Prepare complete final document packages for investor delivery.
• Respond to investor inquiries and document exceptions related to cooperative and CEMA loans.
• Escalate aged items, title defects, or complex issues to the Team Lead or Manager with recommended resolutions.
• Partner with closing, title, and servicing teams to resolve post-closing issues efficiently.
• Ensure adherence to investor guidelines, state and local recording requirements, and internal post‑closing policies and procedures.
• Maintain audit-ready loan files with clear documentation trails.
• Participate in quality control reviews and remediation efforts as needed.

Qualifications and Skills:

• High school diploma or equivalent required; associate or bachelor’s degree preferred.
• 3+ years of post‑closing or final documents experience, with familiarity in cooperative loans and New York CEMA transactions.
• Advanced knowledge of New York recording requirements, cooperative housing documentation, and trailing document investor standards.
• Advanced understanding of cooperative and CEMA loan structures. 
• Excellent attention to detail and document accuracy.
• Skilled in independently managing a complex pipeline with minimal oversight.
• Skilled in working effectively in a dynamic, deadline‑driven environment.
• Skilled in maintaining a high level of accountability and ownership over assigned loans.
• Excellent communication skills while collaborating with internal teams and external partners.
• Excellent problem-solving skills with a proactive approach to curing defects.
• Proficiency in loan servicing, imaging, and document tracking systems.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.