Mortgage Post-Closer at O. C. Credit Union

Santa Ana, California, United States -

Full Time

Start Date

Immediate

Expiry Date

31 Jul, 26

Salary

24.0

Posted On

02 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Lending, Loan Documentation, Compliance, TRID Compliance, Mavent, Loan Origination Systems, Microsoft Office, Data Validation, HMDA Reporting, Communication, Organization, Multitasking, Problem-solving, Attention to Detail

Industry

Banking

Description

This position is currently hybrid-eligible, with the expectation of three days pre-assigned on-site attendance. This role requires California residency and living within a 50-mile commute of our headquarters in Santa Ana. Build Relationships. Build Futures. Build Your Career. Post-Closer aka the final touch hero of home loans! At Orange County’s Federal Credit Union (OCFCU), banking is personal—always has been. For more than 85 years, we’ve helped our members reach life’s milestones by building real relationships, not pushing transactions. With $3+ billion in assets and 145,000+ members, we’re proud of where we’ve come from—and excited about where we’re going next. Our people-first philosophy isn’t just a tagline. It’s why we’ve been named #1 Credit Union by the Orange County Register for several years and most recently 2024 & 2025! We’re also honored with workplace satisfaction—driven directly by employee voices. You’ll blend service and problem‑solving to help members confidently navigate their financial journeys. If you love crossing the t’s, dotting the i’s, and sending loan files off into the world flawless and compliant, we want you on our team. What You’ll Be Doing (In a Nutshell) You’ll own the final stretch of the mortgage journey, ensuring everything from disclosures to trailing docs is accurate, compliant, and delivered on time. Think of yourself as the quality gatekeeper before loans head to servicing, investors, and auditors. * Create and deliver initial, revised, closing, and post-consummation disclosures * Review closed loan files to ensure every required document is present and perfect * Monitor change-of-circumstance updates and re-disclose within TRID timelines * Run Mavent compliance checks and resolve issues proactively * Board funded loans accurately into the servicing system * Assemble, track, and deliver loan files to investors, QC auditors, servicers, and more * Chase down trailing documents like a pro (Final Settlement Statements, recorded DOTs, title policies—you know the drill) * Assist with HMDA LAR reporting and data validation * Stay on top of ever-evolving mortgage laws and investor requirements What Success Looks Like * Loan files delivered complete, compliant, and on time * Clean audits and smooth investor purchases * Zero guesswork—everything documented, disclosed, and disclosed again (when needed!) * Strong collaboration with operations, investors, and internal teams What You Bring to the Table Experience & Education * High school diploma (or equivalent) * 3–5 years of hands-on mortgage or home lending experience * At least 3 years working with multiple investors and/or servicing transfers * Solid knowledge of Fannie Mae & Freddie Mac delivery requirements Skills That Make You Shine * Strong written and verbal communication skills * Confidence working with numbers, details, and deadlines * Proficiency with Loan Origination Systems, Microsoft Office, and compliance tools * Exceptional follow-through, organization, and multitasking skills * Ability to work independently and thrive in a team * Goal-driven mindset with a love for fast-paced environments * Flexible schedule when business needs call for it Compensation & Career Path We believe great talent deserves fair, transparent pay—and room to grow. Hourly pay is based on experience, internal equity, and role level: Mortgage Post-Closer: $21.00-$24.00 per hour Why OCFCU? * Award‑winning workplace culture * Clear growth paths and internal mobility * People before profits—always * A team that supports each other and celebrates wins * Health Coverage: Comprehensive benefits, including Anthem, Delta Dental, and VSP, effective from your first day. * Financial Security: Life insurance at no cost and a 401(k) plan with an employer match up to 6%. * Work-Life Balance: 13 days of vacation and seven (7) sick days annually and paid holidays. * Recognition & Growth: Annual merit increases, discretionary and referral bonuses, as well as educational grants up to $1,000 per year. Orange County's Federal Credit Union is an Equal Opportunity Employer. Pre-employment screenings, including background and credit checks, are required.

Responsibilities

The Mortgage Post-Closer manages the final stages of the loan process, ensuring all disclosures and trailing documents are accurate and compliant. They act as a quality gatekeeper by performing compliance checks, boarding funded loans, and coordinating with investors and auditors.