Mortgage Closing Specialist II

Overview: Services as intermediary for the collection, review and preparation of information for submission of loans for Closing Disclosure (CD) issuance. Collaborates with applicable parties to meet target close date through time management of tasks and pipeline reporting. Ensure accuracy of data being submitted for CD Issuance that includes Hazard Insurance, taxes, fees , payoffs and applicable invoices for third party fees. OR - Responsible for CD Issuance through to issuing closing documents and funding the loan. adhering to product, investor, state and federal guidelines. Primary Responsibilities: Maintain effective communication with all necessary parties involved in closing a transaction, from the customer, broker, correspondent, settlement agent, loan officer, post-closing, loan delivery, mortgage servicing, mortgage accounting, funding and co-workers to ensure a seamless closing experience, starting with CD preparation to CD Issuance through to issuing Final Closing documents. Work with various internal departments as well as external organizations to obtain closing related documentation or obtain necessary information needed to complete a closing (i.e., payoffs, subordination’s, releases, tax, title, homeowners/flood information). Perform a thorough and accurate review of the file to ensure the loan is in compliance with State and Federal guidelines. This also includes but is not limited to reviewing homeowners, flood, title and tax related documents. Follow up on rate lock expirations and document expirations. Review system of record information to ensure accurate closing documentation can be prepared and that the necessary closing documents are in the system. Perform validation of fees and submit wires to fund all loans within necessary time frames. Prepare and Issue CD timely and accurately, ensuring review of applicable at close conditions, investment required into transaction, and cash back at closing. Report system and closing document issues to management. Test closing documents and custom enhancements for system updates. Assist in new employee/contractor onboarding, and technical training. Aid with expansion of departmental instructional manual/materials. Serve as senior member of staff to support Team Lead in answering questions, briefing peers on policy/procedure updates and providing considerable input on day-to-day business practices. Proven ability to excel in demonstrating key skills and consistently exceeds the agreed upon objectives outlined in positions Annual Performance Objectives. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Promote an environment that supports belonging and reflects the M&T Bank brand. Complete other related duties as assigned. Scope of Responsibilities: The scope of the position involves a high level of risk due to the importance of the regulations that a closer is responsible for adhering to such as TRID, High Cost, TILA, and RESPA. Education and Experience Required: Associate’s degree plus a minimum of 2 years’ prior Mortgage experience, OR in lieu of a degree, A combined 4 years’ higher education and/or work experience, including a minimum of 2 years’ prior Mortgage experience. Strong PC skills with knowledge of spreadsheet, word processing, and email software. Specialized knowledge of all product, regulations and policies. Ability to make sound decisions based on information provided. Versatility and flexibility working within an ever changing fast paced mortgage environment. Ability to function independently within time constraints. Excellent verbal and written communication skills. Strong attention to detail and organizational skills. Ability to prioritize daily workload. Ability to work in a team environment. Strong work ethic, reliable and dependable. Notary Public. Education and Experience Preferred: Prior Mortgage experience in Mortgage Closing whether at a Lender, Title Company or Settlement Agent’s office. Solid knowledge of Department software. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location Clanton, Alabama, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T’s Human Capital Report to learn more. Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at View email address on click.appcast.io for assistance. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace. Career Site Privacy Notice