New

Post Closer

Workers Credit Union
24.32 To 30.39 (USD) Hourly
paid time off, paid holidays, tuition reimbursement, 401(k), remote work
United States, Massachusetts, Littleton
Feb 12, 2026
Job Title: Post Closer Department: Secondary Markets Department Location: Littleton, MA Reports to: Secondary Markets Manger Career Stream: Individual Contributor Classification: Hybrid Onsite Frequency: Works on-site at HQ more than 10 days per month with assigned workspace Pay Grade: 8 FLSA Status: Non-Exempt Pay Grade Range: $24.32 - 30.39 Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: A Post Closer/Shipper ensures accurate, complete and timely processing of closed loan files by auditing documents, verifying compliance with investor and regulatory guidelines, identifying and resolving discrepancies, and maintaining accurate records. Key duties include, but not limited to, reviewing final title policies, closing disclosures, security instruments (e.g. mortgage, deed of trust), and other closing and collateral documents for correctness and adherence to standards, as well as communicating with internal and external parties to resolve issues. This role is crucial for loan salability. A Post Closer/Shipper is also responsible for preparing and delivering final loan files to investors. This role involves ensuring all required documents and loan data are accurately compiled, organized, and uploaded into the final loan file in accordance with the secondary investor requirements, then shipped to the correct investor for purchase. This role is crucial for loan profitability of sales in the secondary market. ESSENTIAL JOB DUTIES AND RESPONSIBILITIES: Entry Level (I) Level I Post Closer/Shippers review closed loan documentation for accuracy and adherence with secondary investor requirements ensuring 100% salability. Level I Post Closer/Shippers maintain an average of five (5) closed loans reviewed/packaged per day. Level I Post Closer/Shippers validate that all underwriting conditions have been met and are documented in the loan file including a review of the Loan Estimate(s) and Closing Disclosure(s) for adherence to TRID regulations and required timelines. Level I Post Closer/Shippers validate that any increased fees are associated with a valid change in circumstance and the change is properly documented in the loan file. Level I Post Closer/Shippers issue post-closing conditions for loan deficiencies and/or missing documents. In addition, the Level I Post Closer/Shipper contacts the responsible party to procure corrective documents in a timely manner but not less than 5 days from the initial notification date. Level I Post Closer/Shippers acts as liaison between appropriate parties to resolve and procure outstanding post-closing conditions to ensure the loan meets investor requirements prior to and after the initial delivery to the secondary market investor. Level I Post Closer/Shippers are responsible for assembling, organizing, and meticulously checking the completeness and accuracy of mortgage loan closing documents and data ensuring the final loan file is ready for delivery to the correct secondary investor for purchase. Level I Post Closer/Shippers handle investor requirements and conditions; respond to requests for information; and monitor loan status via the secondary investor websites. Level I Post Closer/Shippers monitor pipeline of each secondary investor to ensure loans are purchased timely and WCU does not incur late delivery penalties nor unexpected pricing adjustments. If the purchase advice includes any unexpected pricing adjustments and/or penalties, the Level I Post Closer/Shippers are responsible for obtaining explanation from the secondary investor and notifying SMM immediately. Level I Post Closer/Shippers manually register all MERS loans within the MERS system no later than 3 days after funding by WCU. Level I Post Closer/Shippers will validate all registered loans are in the MERS system on the day after the initial registration was processed within the MERS system. This validation will be performed using the daily MERS Registration report received from a Level II or Level III Post Closer/Shipper. Intermediate Level (II) Level II Post Closer/Shippers are responsible for all the above Level I job duties plus responsibilities including, but not limited to, the following: Level II Post Closer/Shippers maintain an increased capacity to consistently review/package an average of 6-7 closed loans per day while maintaining a high standard of quality and remediating outstanding loan defects. Level II Post Closer/Shippers have greater understanding of the implications of loan defects and what is needed to satisfy the requirement to ensure 100% salability in secondary market. Level II Post Closer/Shippers demonstrate initiative to resolve loan defects and clarify acceptable documentation for outstanding post-closing conditions. Level II Post Closer/Shippers are responsible for ensuring documents/data in the final loan file have been accurately compiled and organized in the secondary investor's required stacking order. Level II Post Closer/Shippers are responsible for transmitting/shipping the final loan file to the correct secondary investor for purchase within the specified delivery period. Level II Post Closer/Shippers have the understanding and ability to reconcile daily MERS reports to ensure the data within the LOS operating system matches the data within the MERS system with no deficiencies. Level II Post Closer/Shippers will rectify identified deficiencies and correct all defects within the respective system, which is incorrect, then document all daily, weekly, monthly reports accordingly and save all reports within the MERS > Secondary Market > Finance > Z:/Drive. Level II Post Closer/Shippers are responsible for generating the TOS/TOB transfers within 24 hours of a loan purchase; and notifying the secondary investor requesting acceptance of the transfer. Senior Level (III) Level III Post Closer/Shippers are responsible for all the above Level I and Level II job duties plus responsibilities including, but not limited to, the following: Level III Post Closer/Shippers maintain an increased capacity to review 8+ loans per day while maintaining a high standard of quality and remediating outstanding loan defects. Level III Post Closer/Shippers have demonstrated ability to communicate and clarify complex information in a clear and concise manner with internal and external parties. Level III Post Closer/Shippers have an advanced understanding of the implications of loan defects and clearly advise on what is needed to satisfy requirements to ensure 100% salability in secondary market. Level III Post Closer/Shippers are responsible for monitoring daily the "Loans Funded, not Shipped" secondary report ensuring final loan files have been transmitted/shipped to the correct secondary investor within the specified delivery period; and ensuring late delivery penalties are not incurred. Level III Post Closer/Shippers have the understanding and ability to second-level review/approve reconciled daily MERS reports to ensure the data within the LOS operating system matches the data within the MERS system with no deficiencies. Level III Post Closer/Shippers must validate that all identified deficiencies have been corrected within the respective system, which is incorrect, and second-level review/approve all MERS reports have been documented accordingly and have been saved within the MERS > Secondary Market > Finance > Z:/Drive. Level III Post Closer/Shippers are responsible for validating that all TOS/TOB transfers have been initiated within 24 hours of a loan purchase and reports have been documented accordingly to evidence same. Level III Post Closer/Shippers are also responsible for validating that all TOS/TOB transfers have been accepted by the secondary investor ensuring sold loans are no longer on WCU's inventory within the MERS system. Other Duties for All Levels Adhere to all WCU policies, procedures, and guidelines. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent from time to time. Maintains confidentiality of all members and credit union information and data. Regularly demonstrates behaviors as defined by the credit union's Fundamentals, which are part of the Workers Way culture program. Education High School Diploma or equivalent (e.g. GED) required. Associate or bachelor's degree preferred but not required. Experience Minimum of 1-2 years of experience in mortgage closing or post-closing is required, including at least one year within post-closing or secondary market is preferred. Familiarity with loan documentation, due diligence, servicing and regulatory guidelines are required. Proficiency with Encompass and loan pricing engines is essential. The candidate must have experience with and demonstrate a strong understanding of AdobePro including how to use AdobePro to organize multiple imaged loan documents in the secondary investor required stacking order. Prior experience in a credit union or community bank setting is preferred. Knowledge/Skills/Abilities/Competencies Excellent communication skills including ability to effectively communicate through written and verbal correspondence. Proficient in managing internal and external relationships, with attention to detail and regulatory compliance. Collaborative mindset with strong organization, problem-solving and multi-tasking skills. Demonstrated ability to assemble, organize, and meticulously check the completeness and accuracy of mortgage loan closing documents and data. Work Environment Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at Littleton Headquarters. This work environment is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job: This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanners, filing cabinets, and fax machines. Ability to travel to other work locations as required. About Workers Credit Union: Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members. We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits: Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, vete