Senior Post Close Operations Specialist

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

The Role

The Senior Post Close Operations Specialist is responsible for managing all activities after loan closing through funding, investor delivery, and loan sale. This role serves as the centralized owner of post-close execution, ensuring loans move efficiently off the warehouse line and are delivered to investors without delay or defects.

This is a hands-on, execution-heavy role focused on investor readiness, funding coordination, audit remediation, and process troubleshooting. The position requires strong cross-functional coordination with QA, Accounting, Originations, and Capital Markets.

This is not a passive administrative role - it is an active problem-solving and process ownership function responsible for removing blockers and driving loans to sale.

Desired Mentality:

• Strong sense of ownership and accountability

• Detail-oriented with high-risk awareness

• Problem-solving and troubleshooting mindset

• Ability to operate in fast-paced, evolving environment

• Excellent communication and cross-team coordination

• Process-driven with continuous improvement focus

Anticipated Responsibilities:

• Own investor findings & remediation: Identify and resolve post-close defects with QA and internal teams. Drive fixes quickly to meet investor timelines and avoid delays.

• Manage loan sale & investor delivery: Prepare and deliver loan packages to investors. Track which loans are sellable vs. blocked and act.

• Keep loans moving off the warehouse line: Monitor aging and ensure loans do not sit too long. Reduce capital exposure by pushing loans through funding/sale.

• Coordinate funding readiness: Validate all prior-to-funding conditions are cleared. Reconcile payoffs, liens, and funding details. Signal Accounting when loans are ready to be funded.

• Troubleshoot insurance issues: Ensure policies are bound correctly. Resolve discrepancies that could delay funding or sale.

• Growth & leadership opportunity: This role begins as an individual contributor with full ownership of post-close operations, with a clear path to team leadership and broader functional ownership as the business scales.

Qualifications:

• 3–5+ years in mortgage operations, post-close, capital markets, or similar role

• Experience with loan sales, warehouse lending or investor delivery

• Strong understanding of loan life cycle from closing to sale and investor requirements/document standards.

• Proven ability to manage multiple loans/deadlines simultaneously and troubleshoot complex operational issues.

• Comfortable in an uncertain, fast-paced environment that will evolve as our technology and business scales.

• High attention to detail and process oriented

• Proactive and autonomous worker.

• Collaborative and innovative with a strong desire for the entire team to win together.

• Proficiency in Microsoft Office and other software tools.

• Proficient in technology and changing environments.

• Undergraduate degree or extended relevant work experience.

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

• As a participating employer, we will use E-Verify to confirm employment eligibility.

• Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards

At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here’s what we offer right now:

• Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

• Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

• Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

• Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

• Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

• Training & Licensing Support: We invest in your professional growth with resources for training and licensing.

• Paid Time Off: We offer generous PTO—and we encourage you to use it!

• Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.

• Parental Leave: We provide paid parental leave to support you and your growing family.

• No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.

• Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.

• Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits:

• Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.

• Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy’s growth, where every contribution makes a significant impact.

• Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.

• Supportive Culture: You’ll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.

• Diversity & Inclusion: We’re committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.

• Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.

• Meaningful Impact: Be part of a mission-driven team that’s making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.