Credit Union:



Eugene, Oregon





Job Description:

Beginning Pay Range: $18.31 – $22.89 per hour

OCCU is looking for an experienced Mortgage Loan Post-Closer to join our high performing team. If you have matching experience and want to work for a dynamic credit union consider applying today! The Mortgage Loan Post-Closer’s primary function is to audit all closed loans to ensure integrity and accuracy of all closed loan documents, meeting regulatory compliance, investor requirements and OCCU Lending Policies. The Post-Closer must utilize extensive knowledge of mortgage loan products, loan documents, loan funding requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage lending transactions to deliver a quality product.

Location: Eugene, OR

Job Responsibilities:

The essential functions of this position require prioritizing and completing all assigned tasks in a timely and efficient manner, adjusting for changing priorities and availability of resources and demonstrating initiative in identifying additional job-related tasks to be completed when time permits. These duties are a representative example of position expectations. Actual duties assigned may vary and change depending on the business needs of the department and OCCU. 

  • Upload and split the closed loan packages/documents into their respective document placeholders inside Encompass e-folder.
  • Audit closed loan packages to ensure integrity and accuracy of loan documentation, regulatory compliance and adherence to company policy.
  • Ensure data integrity by reviewing loan data in Encompass and creating the UCD and ULDD extracts.
  • Work closely with Disclosure Desk to remedy any disclosure deficiencies, report any uncurable disclosure defects to the Secondary Market and Servicing Supervisor.
  • Effectively communicate with internal staff, loan originators and closing agents to gather the documents and information required to clear any deficiencies prior to the loan being purchased by investors.
  • Closely monitor and track all original Notes, recorded copies of Deeds of Trust and Final Title Insurance policies. Reach out to Escrow/Title whenever needed to follow up.
  • Complete required screens within Encompass to create the shipping extract required by Sub Servicer.
  • Create PDF from the required imaged documents to complete shipping process.
  • Submit required wire transfers for all escrow accounts on sub serviced loan files when applicable.
  • Review warehouse reports daily; satisfy all suspense items quickly and efficiently, to ensure timely investor purchase and boarding of sub-serviced loans.
  • Ship closing documents to our Investors in a timely fashion to comply with lock expiration dates.
  • Assist and resolve Mortgage Servicing inquiries.
  • Oversee loan file storage for all closed loans.
  • Assist the Funders with boarding funded loans into our core operation system.
  • Maintain detailed notes within Encompass conversation log through all loan transactions.
  • Demonstrate excellent attention to detail and ensure priority responsibilities are completed accurately and efficiently.
  • Provide feedback to management on suggested policy changes and/or enhancements.
  • Stay abreast of the current laws and regulations. Attend trainings/seminars as necessary. Complete HMDA information tracking and quarterly reporting requirements.
  • Maintain the highest level of confidentiality regarding all sensitive, confidential and proprietary Credit Union information.
  • Follow all Regulations and Laws, including BSA.

Experience, Knowledge, Skills and Abilities:

Qualified candidates for this position will have relevant education and experience necessary to perform the essential functions and meet the minimum performance expectations for this position with or without an accommodation.

Preferred qualifications for the position include:

  • Two to five years of similar or related experience.
  • Requires a thorough knowledge of mortgage lending products and processes, knowledge of mortgage compliance, fair lending laws and related regulations.
  • Must be able to understand Real Estate Documents and terminology.
  • Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
  • Knowledge of TRID, AIR, Regulatory Compliance and legal requirements.
  • Experience using Encompass software program preferred.


A two-year college degree or the equivalent in mortgage lending experience.

An equivalent combination of experience and education that demonstrates the knowledge, skills and abilities required for the position will be considered in lieu of the outlined requirements.

Physical Demands and Work Requirements:

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical Demands: While performing the duties of this job, the employee is frequently required to:

  • Work for extended periods of time in a stationary position (possibly up to 60 minutes or more without an opportunity to substantially change position) while consistently grasping, moving and manipulating documents, office supplies, computer equipment and other business tools and materials.
  • Use and operate a personal computer, office equipment and other technology devices frequently and consistently throughout each day with a high degree of skill, accuracy and independent judgment.
  • Move to, from and within our building and across company-related property site locations as needed, possibly for extended periods of time.
  • Correspond, communicate and exchange information with other employees, members and other third parties with whom we work in-person, via telephone, virtually or by other electronic means using available technology during meetings, presentations and other situations in which business information may be shared, discussed or exchanged.
  • Maintain professional and respectful communication style and steady work focus to ensure reactions and responses to varied situations, stress, ambiguity, frustration, disappointment and disagreements. Set an example to others of appropriate workplace communications while contributing to a strong, harmonious team dynamic.
  • Lift, transport and/or move up to approximately 25 lbs. occasionally in the performance of regular duties.
  • Remain alert and able to observe surrounding areas and conditions at all times to identify, recognize and respond to potential obstacles, safety concerns, hazards, threats, property conditions requiring attention, unauthorized and/or dangerous persons and emergencies.

Work Environment: Office-related work is primarily conducted in a temperature-controlled office environment. Our office spaces include traditional office lighting (including fluorescent lighting), as well as shared office spaces and facilities that result in consistent and frequent noise (moderate and often louder than ambient noise), conversations among employees and/or members, interruptions and other similar distractions. 

Work Hours: This job can typically be done within a Monday through Saturday schedule; however, based on events going on there will be times when evening and weekend work is required with little or no notice.

OCCU is an Equal Opportunity Employer