The Team:
At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.
Position Summary:
The Post Closing Underwriter is responsible for reviewing and resolving post-closing and investor suspense conditions to support the timely purchase of funded mortgage loans. This position reviews loan documentation, researches investor and agency requirements, identifies required corrective action, and works with internal departments and external partners to obtain documentation needed to clear outstanding conditions. The position requires prior mortgage underwriting or post-closing experience, strong attention to detail, and the ability to independently manage an assigned pipeline of loans and exceptions.
Location: Remote.
Essential Duties and Responsibilities:
- Review and resolve post-closing and pre-purchase investor suspense conditions.
- Review funded loan files for completeness and compliance with applicable investor, agency, and company requirements.
- Research investor and agency guidelines to determine requirements for clearing loan-level deficiencies.
- Review underwriting, credit, income, asset, title, collateral, closing, and other loan documentation as needed to resolve outstanding conditions.
- Obtain and review corrected or supplemental documentation required for investor purchase.
- Prepare responses and provide supporting documentation to investors and aggregators for outstanding conditions.
- Work with Underwriting, Closing, Funding, Processing, Delivery, Capital Markets, Government Insuring, and other departments to resolve loan deficiencies.
- Communicate with investors, settlement agents, brokers, and other third parties as needed to obtain documentation or resolve exceptions.
- Monitor assigned loans and prioritize conditions based on aging, investor deadlines, and purchase requirements.
- Maintain accurate and detailed notes regarding outstanding conditions, actions taken, and resolution status.
- Escalate aged, complex, or potentially material loan deficiencies to management when appropriate.
- Maintain current knowledge of applicable agency, investor, and company guidelines.
Qualifications:
- 3+ years of mortgage underwriting, post-closing, quality control, investor delivery, or related mortgage banking experience preferred.
- Working knowledge of conventional and government mortgage loan requirements.
- Experience with Fannie Mae and Freddie Mac guidelines preferred.
- FHA, VA, USDA, Jumbo, and/or Non-QM experience is a plus.
- Experience reviewing investor suspense conditions or post-closing loan deficiencies preferred.
- Strong analytical and problem-solving skills.
- Strong written and verbal communication skills.
- Ability to manage multiple loans and deadlines in a fast-paced environment.
- Ability to work independently and collaborate effectively with internal and external business partners.
Key Skills:
- Mortgage loan review
- Investor suspense resolution
- Agency and investor guideline research
- Loan documentation review
- Exception management
- Problem solving
- Pipeline management
- Written and verbal communication
- Attention to detail
- Time management
Position Expectations:
The Post Closing Underwriter is expected to independently manage an assigned pipeline, resolve conditions accurately and timely, maintain clear documentation of actions taken, and escalate issues when additional guidance or management involvement is required.
Pay Disclosure:
This is a full-time position. The starting hourly rate pay range for this position is $32.00 - $41.00 an hour. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.
Work Authorization:
Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.
Other Duties:
This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.
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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.
Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.
***For your security, Kind Lending will only contact you from email addresses ending in kindlending.com. Emails from any other domain should be treated as suspicious and may be phishing attempts.
#LI-Remote
Requires 3+ years of mortgage underwriting, post-closing, quality control, investor delivery, or related mortgage banking experience; knowledge of conventional and government loan requirements; and strong analytical and communication skills.
Key Responsibilities
- reviewing loan files
- resolving conditions
- managing pipelines
Skills & Tools
Fannie Mae, Freddie Mac
Job Details
- Category: Finance and Accounting
- Seniority: Mid Level
- Commitment: Full Time
- Workplace: Remote — Santa Ana or United States
- Salary: USD 66,560 – 85,280 / year
- Languages: English
About Kind Lending
A mortgage lender providing home loan products and funding services. — Industry: Finance