Mortgage Shipper
Job Description
About Working at Commerce
Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.
Compensation Range
Hourly: $21.40 - $24.50 (Amount based on relevant experience, skills, and competencies.)About This Job
The main purpose of this job is to be responsible for the timely delivery, review, and cure of mortgage loan collateral following closing. This role ensures complete, accurate, and compliant final loan documentation is received, reviewed, recorded, and delivered to investors and custodians within required timelines. The position works closely with investors, title companies, secondary marketing, servicing, and internal operations to support loan purchase, pooling, and servicing transfer activities.
Essential Functions
Deliver closed loan files to investors electronically or via FedEx/UPS in accordance with investor and company requirements
Maintain on‑time delivery standards to support loan purchase and secondary marketing commitments and partner with that team to ensure accurate and timely delivery of all loan products, including the potential for government loan sales
Work directly with investors to clear post‑closing deficiencies and support funding and loan purchase
Check in original Notes daily and maintain accurate tracking and deliver regularly to servicing or custodial partners
Ensure proper endorsement and collateral handling standards are met, and follow up to obtain final/trailing documents via mail, email, and incoming mailroom scanning
Monitor and manage the Final Document mailbox and workflow queues. Review recorded documents, including Deeds of Trust/Mortgages, Riders, and Assignments, for: correct vesting and borrower information, accurate recording data, proper execution, notarization, and signatures
Review final title insurance policies to ensure: correct insured lender, insured amount, and loan information and proper endorsements based on loan program and investor requirements
Match legal descriptions between title policies, security instruments, and riders to ensure enforceable lien position
Identify document defects or discrepancies and coordinate cures with title companies, investors, counties, and settlement agents
Track outstanding trailing documents and suspense items through resolution. Ensure curative actions are completed within investor‑required timelines to mitigate risk and cost
Ensure Shipping documentation complies with federal, state, agency, and investor guidelines
Pay USDA Guaranty fees and support post‑closing government loan requirements as applicable. Image, index, and maintain final documents accurately in the Loan Origination System.
Maintain audit‑ready loan files with clear documentation and resolution notes. Assist the Fulfillment Center Supervisor with review of imaged loans for accuracy and completeness.
Collaborate cross‑functionally with Processing, Closing, Secondary Marketing, Compliance, and Servicing teams
Perform other duties as assigned
Knowledge, Skills & Abilities Required
Basic knowledge of mortgage industry guidelines and regulations
Strong customer service and problem‑resolution skills
Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
Basic level proficiency with Microsoft Word, Excel and Outlook
Education & Experience
High School Diploma or equivalent combination of education and experience required
1+ year banking and/or title experience required
Mortgage and/or title company experience preferred
***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Mortgage Shipper job and contemplates a wide range of factors that are considered in making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $21.40 to $24.50 per hour.
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The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 922 Walnut St, Kansas City, Missouri 64106Time Type:
Full time