Post Closer

Position Summary: Responsible for accurately receiving, funding, and boarding newly closed loans to the core system, ensuring all documentation is complete and compliant.

Essential Functions

• Review and verify loan documents to prepare for accurate boarding into the core system.
• Fund and board consumer loans, HELOCs, and less complex commercial loans with precision and timeliness.
• Prepare and organize loan documents for scanning and indexing into the document management system.
• Set up new loans in the system, ensuring all required data is entered correctly.
• Communicate proactively with Loan Officers, Relationship Managers, and Closing Agents regarding missing or incomplete closing documents.
• Maintain and update tickler reports on a weekly basis to ensure compliance and timely follow-up.
• Record new deeds of trust electronically or via mail, and ensure proper lien placement on DMV titles.
• Follow up on title policies and recorded collateral documents to confirm accuracy and completeness.
• Review recorded collateral documents and final title policies for compliance.
• Audit original signed loan documents, log into OPUS, create hard files, and maintain organized filing in the file room.
• Assign loan numbers to Loan Officers or Loan Closers as needed.
• Support the team by preparing or reviewing rate sheets for loan index rate updates.
• Maintain regular, reliable, and predictable attendance.

Marginal Functions

• May need to assist on other areas/functions as needed.
• Maintain compliance with and adhere to all state and federal regulations and Bank policies and procedures, including, but not limited to Bank Secrecy Act, SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, and fair employment practices.
• All other duties as assigned.

Minimum Educational & Experience Requirements

• High School diploma or equivalent
• Financial services experience

Minimum Skill Requirements

• Knowledge of loan products, functions, policies and procedures, as well as loan documentation required by bank policy and state and federal regulators
• Knowledge of loan data systems, loan accounting, strong personal computer skills, and ability to learn new systems
• Ability to work independently with minimal supervision
• Effective and professional communications
• Proficient on MS Office products and departmental software

Physical Demands

In terms of an 8-hour workday, "occasional" equals 1% to 33%, "frequent" equals 34% to 66% and "continuous" equals 67% to 100%. However, some duties are performed monthly, annually or sporadically throughout the year and are essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions of the position, if the accommodation does not impose an undue hardship that would require significant difficulty or expense.

• Continuous remaining in a stationary position, particularly, but not limited to, at a desktop computer
• Continuous repetitive use of hands/arms; particularly concerning to typing, writing, phone & computer use
• Continuous communication: verbal and written, in-person, phone and electronic

Work Environment

• Office setting