Mortgage Closer/Post Closer

About the Company

Valon is transforming both mortgage servicing and consumer direct lending with a technology-first approach. Backed by Andreessen Horowitz (a16z) and managing over $130 billion in loans, we've built our platforms from the ground up-not on outdated legacy systems-so homeowners, lenders, and investors experience greater transparency, efficiency, and care. By unifying processes into a modern, AI-native operating system, we're leading the way in automation, compliance, and continuous improvement across our servicing and lending businesses.

Our mission is to empower every homeowner by making the mortgage experience simple, secure, and financially empowering. To achieve this, we bring together world-class engineers, servicing experts, lending professionals, and operations leaders who share a passion for improving the homeowner journey. We're not only reshaping what servicing and lending look like today-we're creating opportunities for talented people to help drive the future of the industry.

As we continue to grow, Valon is expanding its footprint across multiple states, opening the door to exciting new roles and career paths. Joining Valon means becoming part of a fast-scaling company where innovation, collaboration, and customer impact go hand in hand. Mortgage is just the beginning-we're building the future of regulated finance, and we want you to be part of it.

Lending at Valon

Valon is scaling up its mortgage lending business, which aims to provide Valon homeowners the ability to access low-cost, streamlined mortgage loans and give Valon partners the tools they need to retain customers. As a member of the Lending department, you will make it faster, easier, and cheaper for homeowners to get loans by reinventing the homeowner's journey. We are looking for experienced and innovative individuals who are eager to transform the mortgage industry for the better by building our team and business.

About this Role

We are seeking a Senior Specialist - Closer/Post-Closer to take ownership of residential mortgage loan files and fulfill the requirements necessary to ensure the timely and accurate completion of all closing/funding/post-closing activities for loans. This includes reviewing loan files, ensuring compliance with regulatory requirements at initial closing disclosure, preparing documentation for final document preparation, and resolving any issues that arise after loan closing. The role will require the ability to multi-task in a fast-paced environment, working in multiple applications. The role will specifically be focused on the review, submission, and delivering case files to FHA or VA, following up on exceptions cited during HOC underwriting review, and insuring government loans by obligatory deadlines. The ideal candidate has a demonstrated track record of providing exceptional customer service to both internal and external partners. The ideal candidate would also need to effectively communicate and resolve issues with a strong sense of urgency.

Responsibilities

• Prioritize and monitor daily workflows as we pilot our new LOS - Vesta.

• Review and track all necessary objectives/tasks to update internal and external software programs (e.g. Encompass and/or Vesta) accordingly.

• Train to become our special matter expert related to all Closer/Funder/Post-Closer role objectives and tasks for initial and COC closing disclosure preparation, final balancing and document preparation, document review, and funding within Vesta.

• Assist with all related post-closing and back-logged tasks.

• Collaborate with operations, to address and resolve any post-closing investor suspense items, including document discrepancies, missing docs, and/or compliance violations.

• Be resourceful to overcome loan challenges, rectify issues, and research red flags.

• Proactively identify and address potential loan challenges or unsaleable/uninsurable loans directly with Management.

• Ensure all processes comply with the company's policies and standard operating procedures; investor requirements; state/federal regulations; and insurer/guarantor requirements.

• Other duties as assigned

Ideal Background

• Experience working with Vesta (Loan Operating System) is a PLUS! Encompass experience is also preferred.

• Bachelor's Degree or equivalent related industry experience.

• Thorough understanding of relevant federal rules and regulations (e.g. RESPA, TILA, ECOA, TRID, CFPB).

• Minimum of 4 -6 years of cross-trained experience as a Closer/Funder/Post-Closer/ and/or Government Insuring

• Previous experience with relevant technology (e.g. DU, LP, FHA Connection, CATALYST, Investor portals).

• Ability to work independently with little or no supervision.

• Strong written communication skills.

• Strong problem-solving skills

• Demonstrates strong time management skills with the ability to meet deadlines.

Minimum Qualifications

• 2+ years of experience with Encompass.

• Knowledge of state lending laws and regulations.

• Experience using government sites for VA and FHA

• Advanced Google Suite and Microsoft Office skills

• Minimum education requirement: High school diploma or GED equivalent required

Benefits

• Compensation: Competitive salary and a 401(k) plan-with a 4% annual match!

• Hours: M-F, normal operational business hours

• Generous amount of paid time off: 17 days of paid time off, 5 additional paid sick days, and 11 paid company holidays!

• Health & well-being: We'll invest in your physical and mental well-being with comprehensive, low-cost medical, dental, & vision benefits, and an EAP for additional support!

• Grow together: We set new employees up for success with our company-wide New Hire Orientation! Other learning and development opportunities include quarterly possibilities for promotion and annual performance reviews.

• Baby bonding time: Birthing and non-birthing parents receive 12 weeks of FULLY PAID time off to focus on their new addition(s)!

Throughout the interview process, please remember that emails will only be from valon.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@valon.com if you have any requests to verify the authenticity of an outreach.

Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.