Join the First Heritage Mortgage Team
We’re just as committed to our employees as we are to our customers. As a growing leader in the mortgage industry, we are actively seeking creative, driven individuals to provide the highest level of service and forward-looking solutions.
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Job Summary
The Mortgage Loan Shipper is responsible for preparing, reviewing, and shipping closed mortgage loan packages to investors in a timely and accurate manner. This role ensures all loan files meet investor, agency, and regulatory requirements prior to funding and purchase. The ideal candidate is detail-oriented, deadline-driven, and experienced in post-closing mortgage operations.
Key Responsibilities
- Monitor closed funded loan reports to ensure complete packages are received from settlement agents, ensure all required documents, at closing conditions, endorsements, assignments, and trailing documents are properly executed
- Maintains receipt of the signed Closing Packages from the settlement agents and updates to the LOS accordingly. Follows up to ensure said packages are received timely.
- Monitor shipping reports from secondary for daily uploads
- Enter loans into Fannie or Freddie mac loan selling system
- Review closed loan files for accuracy, completeness, and compliance with investor and agency guidelines, Images documents received with signed closing package into the LOS imaging system as needed.
- Receive, prepare and assemble loan packages for shipment to investors, warehouse banks, and custodians.
- Acts as a warehouse custodian. Clears all warehouse bank exceptions to ensure timely delivery of original Note to investor.
- Onsite Note Vault/ Safe management, Deliver the original Notes to the applicable warehouse banks. Ensure proper Note endorsement and or allonge.
- Ship loan packages electronically and/or physically within required timelines, update LOS system for accurate milestones, ship dates, team member etc.
- Ensures all original final documents returned with the closing package are forwarded to the Final Document area of Servicing.
- Ensures all loans received are registered daily in the MERS system; and other duties as assigned.
- Balance MERS registrations monthly.
- Communicate with post-closing, funding, quality control, and investor teams to address issues
- Track loan shipment status and maintain accurate shipping logs
- Submit files for Investor or Agency QC Audit requests within requested time frames.
- Ensure compliance with company policies, investor guidelines, and regulatory requirements
- Maintain organized and auditable loan records
Required Qualifications
- High school diploma or equivalent (associate’s or bachelor’s degree preferred)
- 1–3 years of experience in mortgage post-closing, shipping, or loan operations
- Strong knowledge of mortgage loan documents and closing packages
- Experience with loan origination systems and document imaging platforms
- High attention to detail and strong organizational skills
- Ability to manage multiple deadlines in a fast-paced environment
- Strong written and verbal communication skills
Skills & Competencies
- Detail-oriented and quality-focused
- Strong time management and prioritization skills
- Problem-solving and critical thinking
- Ability to work independently and as part of a team
- Proficiency in Microsoft Office (Excel, Word, Outlook)
Work Environment
- Office/hybrid environment (Fairfax office)
- May require extended hours during peak volume periods
What’s In It For Me:
- Access to competitively priced, high-quality health care options through Aetna, MetLife and EyeMed, along with employer-paid Short Term and Long Term disability, basic life and AD&D insurance (including employee-paid life, Legal Resources, and Aflac supplemental options)
- Plan for the future by investing in a 401(K), with up to $4K employer match, invest even more with our Health Savings Account (HSA)
- Put your family first with Flexible Spending Account (FSA) for dependent care
- 12 weeks of paid maternity leave through our Short-Term Disability Plan
- Receive well-rounded wellness benefits, including free and low-cost mental health resources and support services through our Employee Assistance Program
- Rest and relax with Paid Time Off (increases with tenure)
- Protect yourself from identity theft or travel mishaps with our no-cost coverage
- Get access to your paycheck early with an advanced pay option through Dayforce Wallet
