Closer II

Wintrust Mortgage Closer II

Wintrust Mortgage was founded in 1981 to help customers achieve the American dream of homeownership and has since successfully navigated the ever-changing real estate market. As a full-service, federally chartered lender with offices located across the country, we're dedicated to providing customers with a wide range of mortgage products and have the capability to lend in all 50 states. Wintrust Mortgage is part of Wintrust, a financial services company with more than $66 billion in assets.

Why join us?

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 9 years) and Employee Recommended award by the Globe & Mail (past 6 years)
• Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few
• Family-friendly work hours
• With 175+ community bank locations, we offer opportunities to grow and develop in your career
• Promote from within culture

What you'll do:

The Closer II will be responsible for preparing all loan-closing documents and ensuring that they are accurate to have a fully compliant mortgage loan. The Closer II will be required to carefully review all documents for any errors and confirm that pricing and program are correct to ensure loans are funded.

• Confirms scheduling information (time, location) with the Title or Escrow Company and internal Closing calendar when information is received.
• Verifies accuracy and consistency of documents by performing an audit of the file checking for any discrepancies while preparing closing package.
• Completes a minimum of 50 closing packages monthly.
• Funds the loan in compliance with investor guidelines as well as meeting all at-closing conditions to assist investor delivery for the third-party sale of the loan.
• Reviews Closing Disclosure for accuracy and completeness.
• Requests wire from the warehouse line.
• Forwards the Closing Disclosure to the consumer, processor and loan officer/assistant in one of the 3 approved delivery methods.
• Communicates with the title/escrow company prior to the consummation and/or during the signing if necessary.
• Authorizes funding to Title/Escrow Agents

Qualifications:

• 3 – 5 years of Mortgage Lending/Closing experience, as well as Financial Software, Customer Service and communication skills.
• Thorough knowledge and understanding of TRID, TILA and RESPA Guidelines. (FNMA, FHLMC, FHA/VA)
• Experience and extensive knowledge of TRID guidelines
• Knowledge of State Bond Programs a plus
• Knowledge of Encompass a plus
• High School or equivalent degree.
• Ability to work in a "fast paced" environment
• Good organizational, written and telephone skills.
• Great work ethic
• Customer service oriented

Benefits:

Medical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance

Compensation:

The minimum estimated hourly rate for this role is $20.19 - $26.45, along with eligibility to earn monthly incentives. Actual pay rate may vary based on several factors, such as a candidate's location, qualifications, skills, and experience.

From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.