The Post Closer is responsible for performing a detailed post-closing analysis of closed loan packages to determine compliance with Agency and Investor program guidelines. Audit loan files for submission to agencies for endorsement/guarantee, loan salability, post purchase request and deficiency resolution. Validate loan level data within the Encompass360 Loan Origination System ("LOS") and corresponding agency & investors to ensure that loans are free of deficiency. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target compensation range for this position is $29.00 to $33.00 per hour.
• Review closed loan packages to ensure that documents are correctly signed and properly executed by borrowers, mortgage loan originators, processors, and underwriters.• Perform a detailed post-closing analysis of closed loan packages to determine compliance with Agency program guidelines, regulations and checklist• Enter loan data in FHA Connection, WEBLGY and USDA for Insuring/Guarantee purposes, maintaining accurate data integrity in the loan origination system (i.e. Encompass360).• Respond to requests and prepare case binders for any loan files that receive Notice of Rejections/ Deficiencies, VA audit request, post purchase audit requests from Agencies• Prepare loan files for delivery to agencies and investors• Define and analyze defects using logic and resourceful methods to actively resolve• Work in conjunction with internal operations, borrowers and all entities connected to loan file for conditions needed for audit and/or NOR's/Deficiencies• Maintain production and quality per department metrics• Perform other general post-closing functions as needed.
• Knowledge of mortgage industry concepts, practices and procedures.• Knowledge of mortgage loan documentation and the government insuring processes.• Intermediate skills in Microsoft Suite - Word, Excel, etc.• Intermediate Encompass 360 skills.• Demonstrated ability to prioritize tasks and manage time wisely.• Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision.• Superior analytical, organizational and problem solving abilities.• Resolution oriented with the ability to work in a team environment.• Ability to work successfully in a fast-paced, high-pressure environment.• Excellent written and oral communication and customer service skills• High school diploma or equivalent work experience.• Three (3) to five (5) years' mortgage experience.
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We are an Equal Opportunity Employer
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What We Do
Carrington Holding Company, LLC owns and operates multiple businesses that cover virtually every aspect of single family residential real estate transactions – investments in U.S. real estate and mortgage markets, loan origination and servicing, asset management and property preservation, real estate sales and rental, and title and escrow services.
Carrington was initially founded in 2003. Since that time, Carrington Holding Company and the Carrington Family of Companies have evolved into a group of vertically integrated operating businesses that direct every aspect of the life cycle of single family assets. Its core capabilities include investment and fund management, residential mortgage special servicing and origination, property management and maintenance, and real estate sales and settlement services. Guided by a leadership team with an average of three decades of industry experience and adhering to a consistent philosophy, Carrington has built the infrastructure necessary to maximize value during any market cycle.
Build your career with Carrington Holding Company. We offer:
• An innovative environment
• Management growth potential
• Regular communication and training
• Superior benefits package
• An environment that encourages growth and development of its employees
• Philanthropic opportunities to help the community through Carrington Charitable Foundation
Learn more about the opportunities at Carrington Holding Company:
• Email: [email protected]
• Website: Carringtonhc.com
• Main: 949.517.7100
• Media: 866.289.4147