Mortgage Post Closer
ALCOVA Mortgage
Roanoke, VA US
Posted ago
ALCOVA Mortgage

Processes loan-closing files so they are shipped to investors and to be funded in a timely manner. Reviews loan documents for compliance, completeness, and accuracy. Obtains missing information, prepares files, and provides support to internal and external customers. Utilizes standard concepts, practices, and procedures well known within the mortgage industry. 


Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

  • Review closed loan packages for accuracy and completeness.
  • Verify closed loan packages meet investor guidelines.
  • Prepare closed loan packages for delivery to investors.
  • Communicate with settlement agents, brokers, and other counter-parties to obtain missing information and documentation for the closed-loan package.
  • Ensure loan packages are stacked and completed to the industry guidelines.
  • Inputs information into Encompass, FHA, VA, and MERS systems.
  • Contact Closing Attorneys, Underwriters, Loan Officers, Processors, and/or other applicable parties to resolve issues in loan files and obtain appropriate documentation.
  • Revert to Processing Department for any missing documents needed.
  • Perform HUD reviews and provide specific documents to closing agents to allow funding authorization.
  • Communicate effectively with all parties involved in the process.
  • Ensure all funding conditions are met as per investor or Underwriter requirements at Closing.
  • Coordinate with the Lender and Escrow company on final loan documents if any errors.
  • Resolve any post-closing issues and provide any requested documentation.
  • Ship files to investors.
  • Package loans to be sent to USDA for the LNG.
  • Follow-up and manage trailing documentation within the specific time frames provided.
  • Upload documents requested by VA or HUD for loan audits.
  • Ship note packages to warehouse banks.
  • Have government files insured in the time required.
  • Work on conditions on files after they have been stipped.


  • This position performs additional duties as assigned, given adequate guidance and resources.
  • This Job Description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee to perform this job.
  • Duties, responsibilities and activities may change at any time with or without notice.



  • Minimum of 2 years processing / post-closing experience.
  • High School diploma, or equivalent experience; college degree preferred.
  • Knowledge of Encompass software strongly preferred.
  • Working knowledge of RESPA.
  • Basic underwriting, processor, and closing knowledge and terminology.
  • Highly motivated, ambitious, and driven to succeed.
  • Trustworthy, honest, and display a high-level of integrity.
  • Ability to work effectively in a team environment.
  • Strong attention to detail and accuracy.
  • Effective written and verbal communication skills.
  • Ability to identify and resolve problems in a timely manner.
  • Ability to apply basic mathematical concepts such as adding, subtracting, multiplying and dividing.
  • Able to understand and respond appropriately to basic inquires.
  • Able to read, write, and communicate using the English language sufficient to perform job functions.
  • Ability to use Company equipment in assigned area (including but not limited to telephone, copiers, fax machines, computers, internet, etc.)
  • Able to access, input, retrieve, and interpret information using applicable computer systems (including, but not limited to, Microsoft Word, Excel, Outlook, industry-specific computer software, etc.)
  • Able to multi-task (e.g., simultaneous usage of several applications, etc.).
  • Well-versed with keyboard shortcuts and able to identity new ways to complete a task in less time.
  • Relies on limited experience and judgment to plan and accomplish goals.
  • Works well under general supervision.
  • Displays a degree of creativity and latitude.
  • Able to handle deadlines and working within banking guidelines.
  • Able to recommend ways to improve the post-closing process.


Days and hours of work are Monday through Friday, 8:30 a.m. to 5:00 p.m.Evening and weekend work may be required as job duties demand.

About ALCOVA Mortgage

Most companies start with a business plan. ALCOVA Mortgage started with a friendship. Bound by common background and inspired by a passion to serve, childhood friends Bobby Nicely, Billy Siple and Rob Lindstrom dreamed of one day starting a business.

In 2003, the trio joined together to establish a mortgage company—ALCOVA—an acronym for Alleghany County, VA, in honor of their roots.

In 2012, ALCOVA Mortgage made its debut on the Inc. 5000 list of fastest-growing private companies in the United States and has been recognized every year since. The company’s phenomenal growth of 96% in three years propelled it into the league of such legendary businesses that gained notoriety on the prestigious list as Dell, Microsoft, LinkedIn, Pandora, Timberland, Zillow, Yelp, and Domino’s Pizza.

Today, ALCOVA continues to thrive, largely because of its roots in a friendship and the passion to serve.

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