Post Closing Manager

🕒 2 days ago

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Tomo Mortgage

WebsiteLinkedInAll Job Openings

51 - 200 employees

💸 Finance

🏠 Real Estate

💰 $20M Series B - Tomo on 2025-03

Finance • Real Estate

Tomo Mortgage is an online mortgage lender that offers transparent, low-cost home loans with published rates, automated application tools, bank account syncing, and fast closing. The company emphasizes lower interest rates, no hidden fees, clear pricing (TrueRate), and a streamlined digital experience for homebuyers across many U. S. states. Tomo serves retail homebuyers with tools like mortgage calculators, pre-approval, and various loan products (VA, FHA, conventional) while supporting customer communication via phone and messaging.

📋 Description

• Manage, mentor, and develop a team of post-closing coordinators and Jr post-closers, providing day-to-day oversight and performance guidance. • Establish and monitor team productivity standards, including review of an average of 5–6 loans per coordinator per day at a high quality threshold. • Conduct regular pipeline reviews, identify bottlenecks, and reallocate resources to maintain turnaround targets. • Serve as the escalation point for complex loan defects, documentation disputes, and investor exceptions. • Oversee the audit of all closed loan files to verify completeness, accuracy, and compliance with regulatory requirements and investor guidelines. • Direct the review and remediation of loan defects, ensuring all outstanding conditions are resolved within department SLAs. • Maintain accountability for final recorded and non-recorded closing documents, ensuring proper custody and maintenance. • Ensure all post-closing activities meet TRID disclosure and timing requirements, FHA/VA/USDA guidelines, and applicable fair lending laws. • Manage submission and receipt of FHA mortgage insurance and VA loan guaranty within 60 days of closing. • Oversee processing of upfront MIP and VA/USDA funding fee payments through the payment processing system. • Ensure all loans are registered with MERS • Manage submissions of all required loans through Fannie/Freddie UCD • Collaborate with compliance, legal, and secondary market teams to address investor findings and repurchase requests. • Develop and maintain post-closing policies, procedures, and training materials to support team consistency and regulatory alignment. • Track and report key performance metrics including defect rates, cure timelines, investor delivery rates, and team throughput. • Identify systemic issues and lead cross-functional initiatives to improve loan quality and reduce post-closing defects. • Partner with closing, underwriting, and operations leadership on process alignment and shared quality standards. • Administer and optimize workflows within the loan origination system (LOS) to support post-closing efficiency. • Manage relationships with title companies, recording agencies, custodians, and investors as needed to resolve post-closing issues.

🎯 Requirements

• 5+ years of mortgage post-closing experience, with at least 2 years in a supervisory or team lead capacity. • Deep knowledge of conventional loan guidelines, including TRID disclosure and timing requirements, investor delivery standards, and post-closing documentation requirements. • Demonstrated ability to identify, document, and remediate loan defects across multiple loan product types. • Experience with a paperless LOS platform (Byte Pro preferred, Encompass accepted;). • Strong organizational and prioritization skills with the ability to manage competing deadlines in a high-volume environment. • Excellent written and verbal communication skills; ability to communicate clearly with internal stakeholders, investors, and external partners. • Proven ability to lead teams, drive accountability, and maintain high standards of quality under production pressure.

🏖️ Benefits

• Equity Ownership: All teammates receive stock options—we win together • Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered • Work-life balance and a generous paid time off policy • In order to support teammates who become parents, Tomo Mortgage provides paid parental leave • 401(k) retirement plan