Job Description

Level: Management
Job Location: Corporate Headquarters - Chattanooga, TN 37402
Position Type: Full TimeEducation
Level: 4 Year Degree
Job Shift: M - F 8:00 - 4:45
Job Category: BankingJOB SUMMARY:
The Mortgage Post-Closing Manager is responsible for overseeing all post-closing functions for the real estate lending department and serves as the primary point of contact for the credit union’s subservicer, supporting both operational and member-related servicing needs. This role ensures loan files are complete, compliant, and delivered within investor and regulatory timelines; manages servicing retention and loan boarding; and maintains operational accuracy.  The manager must possess strong expertise in agency delivery and servicing requirements to ensure quality, compliance, and efficiency across all post-closing operations.

ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Direct and manage the post-closing workflow ensuring files are complete, accurate, and compliant.
- Oversee collection, reconciliation, and delivery of trailing documents such as recorded mortgages, assignments, title policies, and subordinations.
- Implement and maintain effective quality control processes to minimize post-closing defects and investor conditions.
- Monitor the post-closing pipeline, ensuring timely resolution of exceptions and meeting delivery timelines to support liquidity and operational flow.
- Oversee the accurate boarding of real estate loans ensuring correct setup of escrow accounts, variable rate structures, payment schedules, MI details, and draw features.
- Monitor servicing performance indicators including first payment defaults, delinquency trends, escrow variances, HELOC utilization, and quality of servicing setup.
- Act as the main liaison between the credit union and the subservicer for all servicing-related matters.
- Support proper reporting, remittances, escrow administration, document retention, and custodial account compliance for agency loans.
- Ensure compliance with NCUA, Fannie Mae, Freddie Mac, FHA/VA, state regulatory requirements, and investor guidelines.
- Stay informed of industry changes affecting post-closing, loan delivery, and servicing standards.
- Create and maintain operating procedures for post-closing, investor delivery, loan boarding and investor servicing requirements.
- Lead, mentor, and manage a team, ensuring strong performance, process efficiency, and cross-training across all post-closing functions.
- Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members.
- Perform other duties as assigned.

QualificationsEDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:
- Bachelor’s degree in business, finance, or related field preferred.
- 3+ years of experience in mortgage post-closing, secondary marketing, or servicing operations.
- Hands-on experience with agency and government loan delivery and servicing requirements.
- Prior leadership experience managing staff within mortgage operations.
- Experience servicing or working with or managing a mortgage subservicer strongly preferred.
- High level of accuracy, attention to detail, and analytical skillset.
- Excellent organizational, communication, and time-management abilities.
If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screen that includes:
- Verification of education, employment and other pertinent data included on your employment application, and eligibility to work in the United States
- Criminal background check and drug screening
- Pre-employment credit check required
Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.