Senior Agency Closing Officer

Senior Agency Closing Officer The Senior Agency Closing Officer will have a keen understanding of Agency requirements as it relates to closing loans, and a good understanding of crossover relationships between Originations, Underwriting, Closing, Servicing and Asset Management. Responsible for operating with autonomy and limited supervision in performing activities related to overseeing and managing the operational aspects of Fannie Mae and Freddie Mac multifamily mortgage loan closings. Able to analyze issues and process information for sound decision making. Must be able to handle the pressure of a busy mortgage finance company and independently meet strict corporate and GSE regulatory deadlines while maintaining a high quality of service. Must have superior customer service skills, be detail oriented, self‑motivated and a strong team player. Responsibilities Maintain close communication with customers, originators, third party vendors andunderwriters to ensure proper and timely settlement. Guide deal team (Analyst and Coordinator) through transaction specific matters for timely and accurate completion. Advanced communication skills to express thoughts on complex matters to ensure anaccurate understanding is received resulting in positive collaboration. Send clearly stated written requests or clear and concise verbal communications withcustomers, attorneys and other third parties to obtain additional information as needed. Independently comprehend and assess new information received regarding investor andunderwriting guidelines, and able to offer input as to handling of such information. company policies, processing procedures, etc. Independently troubleshoot inconsistent information to ensure accurate information is utilized. Ability to independently analyze complex information in order to perform real estate tax and insurance escrow analysis for closing. Review title requirements for state specific mortgage attachments and /or state mortgage tax requirements. Collaborate closely with Underwriting and Legal to work through transaction specific issues and be able to independently think through and offer solutions when problems arise. Work with insurance analyst to ensure borrower obtains required insurance coverage(casualty,liability, flood, wind, etc.) Meticulous with work product review to spot incorrect information in work products. Gather and prepare information for completion of closing documents including 3rd party fees, payoffs and subordinations Verify underwriting and funding conditions are signed off prior to settlement. Confirm loan information in all Enterprise and GSE delivery systems/portals are accurate. Review and work with closing counsel in the preparation and delivery of closing documents. Review final settlement statement and Disbursement Ledger for accuracy and compliance, including the verification of seller and lender credits, funds on deposit, and payoff of debt (if applicable). Follow up with closing/escrow agent to verify settlement of loan, disbursement of funds and advise of any problems or concerns. Meet established productivity levels and turnaround times as set by the Manager and be able to effectively communicate reasoning when expectations need to be revised. Sharp understanding of Agency requirements and Closing process to ensure a high level of Quality Control. Basic Qualifications Bachelor’s degree or Military experience At least 4 years of Agency Commercial Mortgage loan closing experience Preferred Qualifications 5+ years of Agency Commercial Mortgage loan closing experience 5+ years of Affordable Multifamily Products closing experience At this time, Capital One will not sponsor a new applicant for employment authorization for this position. #CommOps The minimum and maximum full‑time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part‑time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Charlotte, NC: $149,000 - $170,000 for Agency Loan Admin Supervisor II McLean, VA: $163,900 - $187,100 for Agency Loan Admin Supervisor II Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Learn more at the Capital One Careers website ( Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23‑A of the NewYork Correction Law; SanFrancisco, California Police Code Article49, Sections4901‑4920; NewYork City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. 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