HELOC Closing & Delivery Manager

ABOUT OUR COMPANY: The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial. Over the years, our mission has expanded to include helping people with other forms of debt - such as refinancing credit cards, which are at all time highs in the US. And we’ve been able to refinance $6+ Billion in loans through our network of Splash, powered credit union and bank partners who leverage our marketplace and automated loan processing technology. And we’ve raised over $135 million from investors like partners of DST Global, Citi Ventures, TruStage Ventures, Northwestern Mutual Future Ventures, Detroit Venture Partners, and more. But at our core, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt and we’re just getting started.. ABOUT OUR WORKPLACE: Splash is remote-first, and proud of it — though our collections team works in-person at our Arizona location. We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we’re focused on building financial technologies that fundamentally transform how the industry lends. Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work and we approach challenges with creativity, passion, and urgency. And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar. At Splash, everything we do is guided by our values: Own It – We take full accountability and follow through on commitments. Raise the Bar – We move fast, innovate faster, and push through barriers. Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better. Elevate Each Other – We win as a team by lifting each other up. These values show up in how we work and how we connect — whether we’re collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food because we believe being human makes us better teammates. ABOUT THE ROLE: Splash Financial is seeking a HELOC Closing & Delivery Manager to manage day-to-day closing and investor delivery for our new HELOC lending platform. This individual contributor will coordinate accurate, timely closings and loan delivery, serving as the primary point of contact for borrowers, settlement agents, and investor partners from clear-to-close through loan sale. Working with the Director, HELOC Operations, this person will help establish and document the workflows that support the program as it grows. The role reports to the Director, HELOC Operations and may have an opportunity to help build and lead a closing team as origination volume increases. We are hiring for this role in the Cleveland, OH area only. This is a remote role that requires 1–4 days per month in our downtown Cleveland office to support operational processes. WHAT YOU’LL DO AT SPLASH: Process Documentation & Improvement • Help develop and document HELOC closing and investor-delivery checklists, LOS workflows, remote online notarization (RON) and eClosing procedures, and quality-control standards in partnership with the Director, HELOC Operations. • Identify recurring issues in the closing-to-sale process and recommend improvements as the program grows. Pre-Closing File Review & Readiness • Review HELOC files following credit approval to confirm prior-to-closing conditions, disclosures, and closing documents are complete and consistent with program and investor guidelines. • Review title commitments or property and lien reports, lien searches, payoff statements, and subordination agreements to confirm lien position and identify title exceptions that need to be resolved before closing. • Confirm collateral and insurance requirements are met, including property valuation, flood zone determination and any required flood notice or insurance, and hazard insurance with the correct mortgagee clause. • Enter and validate loan data in the LOS and integrated document platforms to generate accurate closing documents, including the HELOC agreement, security instrument, and Notice of Right to Cancel. • Escalate unusual file conditions or requirements that fall outside established guidelines. Closing Coordination & Communication • Coordinate with settlement agents, borrowers, and investors to schedule and complete in-person, hybrid, and RON eClosings. • Serve as the borrower’s primary point of contact from clear-to-close through funding. Explain what to expect at signing and during any applicable rescission period, respond to process questions, and refer questions about loan terms or pricing to licensed staff. • Work with underwriting, processing, servicing, and external partners to resolve routine issues and keep files moving toward closing and boarding. Funding • Review executed closing packages for completeness and accuracy, including signatures, dates, notarization, and Notice of Right to Cancel dates. Coordinate corrections before funding. • Confirm prior-to-funding conditions are satisfied and any applicable rescission period has expired before authorizing disbursement of initial draws under established procedures. • Follow funding controls, including independent call-back verification of settlement agent wire instructions, reconciliation of funding amounts to closing figures, and confirmation of disbursement. Escalate discrepancies before funds are released. Post-Closing & Investor Delivery • Coordinate the transition of closed HELOC loans into the investor sale and delivery pipeline. • Track recording of security instruments and other trailing documents. Coordinate collateral file delivery to the document custodian, including eNote registration and eVault steps where applicable. • Prepare and submit investor delivery packages and loan data in accordance with investor and program requirements and purchase deadlines. • Serve as the day-to-day contact for investor counterparts, resolving routine discrepancies and escalating complex issues to support timely purchase. Pipeline, Quality & Continuous Improvement • Manage an assigned pipeline of HELOC files from post-approval through investor sale, meeting closing and delivery deadlines, quality standards, and turn-time targets. • Maintain organized, accurate files in accordance with company policy, information security standards, and recordkeeping requirements. • Provide files and information for quality control, internal audit, investor due diligence, and regulatory examination requests related to closed and sold loans. • Help develop training materials for future closing staff and share process knowledge as the team grows. WHAT YOU’LL BRING TO SPLASH: • Associate’s or bachelor’s degree, or equivalent work experience. • At least 2 years of experience in mortgage or HELOC closing, post-closing, or loan delivery operations. • Working knowledge of the HELOC or home equity lending lifecycle, including lien position, subordination, rescission, and investor delivery requirements. • Experience reviewing loan files and closing documents for accuracy and resolving discrepancies using established guidelines. • Experience with a loan origination system; Vesta experience is a plus. • Familiarity with eClosing, e-signature, and RON platforms; DocMagic experience is a plus. • Ability to independently manage multiple files, prioritize deadlines, and know when to escalate an exception. • Strong attention to detail and sound judgment when handling borrower information, closing documents, and funding instructions. • Clear written and verbal communication skills and the ability to work directly with borrowers, settlement agents, investors, and internal partners. • Ability to maintain confidentiality when handling sensitive borrower and financial information. • Familiarity with applicable federal and state home equity lending requirements. • NMLS licensure is not required for this role. NICE TO HAVE: • Experience helping document or improve closing processes in a new product line or growing lending operation. • Experience at a HELOC-focused or home equity lender. • Familiarity with eNotes, eVaults, and investor loan sale or delivery processes. • Experience training or mentoring closing or processing staff, or interest in growing into a people-management role as the team scales. COMPENSATION: The base salary range for this role is $69,000 to $85,000 annually, based on market data and internal compensation practices. Final compensation will be determined by factors such as location, experience, and skill level. SPLASHERS ENJOY: • Fully remote work freedom (for most roles) • Competitive salary packages • Flexible PTO + 9 company holidays • Equity: Share in our start-up success • Comprehensive and affordable insurance benefits • Paid parental leave for both caregivers • Essential modern equipment to get the job done • Fully paid Claude subscription to supercharge your work • 401(k) for your future savings • Quarterly meet-ups: In person & virtual fun • Awesome Splash swag to flaunt your team spirit Employment at Splash is based on individual merit. Opportunities are open to all, without regard to race, color, religion, sex, creed, age, handicap, national origin, ancestry, military status, veteran status, medical condition, marital status, sexual orientation, affectional preference, or other irrelevant factors. Splash is an equal opportunity employer. JOB OFFER & RECRUITMENT SCAM NOTICE At Splash Financial, we want candidates to feel confident and safe throughout the hiring process. Unfortunately, scammers sometimes pose as employers to trick job seekers into sharing personal information or money. PLEASE BE AWARE: • Splash Financial will never ask for payment, banking details, or cryptocurrency as part of our hiring process. • All legitimate job communications from Splash Financial will come from an @splashfinancial.com email address. • We do not conduct interviews solely via text message or chat apps. • Any offer of employment will be made only after a formal interview process and will be sent directly from Splash Financial. IF YOU RECEIVE A SUSPICIOUS MESSAGE: • Do not respond or share personal information. • Do not click on unknown links or download attachments. • Report the message to careers@splashfinancial.com