Mortgage Closer

Mortgage Closer
Location: Lebanon, TN

If you're looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.

ABOUT US
Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees-through recognition, rewards, and opportunities to grow. Inside our walls, you'll find a workplace that reflects the same trusted reputation we've built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated. Your voice matters here-feedback drives decisions on workplace flexibility, transparency, and strategic priorities.

Be the Guide for Life's Big Decisions
Imagine sitting across from a family ready to buy their first home or a business owner planning to expand. In a Lending role at Wilson Bank & Trust, you're more than a banker-you're a trusted friend who helps turn dreams into reality. Every conversation is an opportunity to guide someone through milestones that shape their future, from purchasing a home to growing a business. You'll build relationships that go beyond transactions, becoming the person customers rely on for clarity and confidence in complex financial decisions. Over time, you'll see those dreams come to life-homes filled with laughter, businesses thriving in your community-and know you played a part in it. It's about being a cornerstone in your community, offering expertise and empathy while partnering with teams across the bank to deliver solutions that matter. Your career grows alongside the people you serve, and together, you'll write stories of progress and possibility that last for generations.

POSITION SUMMARY:
The Mortgage Closer II is responsible for preparing closing packages and closing disclosures for secondary market transactions including preparing and requesting documentation needed for closing. This position provides required closing documents, funding details, and related instructions to closing agents. The Mortgage Closer II serves as a liaison between lenders, customers, realtors, attorneys, and internal teams, maintaining effective communication throughout the loan process. This position reports to the Mortgage Operations Manager and provides excellent service and support to team members and customers while demonstrating the Company's values and supporting the mission.

POSITION DUTIES AND RESPONSIBILITIES:

• Responsible for preparing closing packages and closing disclosures for secondary market transactions including preparing and requesting documentation needed for closing
• Prepare quality control reviews to verify all pre-closing conditions are received
• Collaborate with processors and lenders to confirm requirements for loan approval are met
• Review closing disclosure for accuracy in accordance with program requirements, underwriting instructions, and relevant changes
• Review final disclosures to verify complete and accurate documentation
• Distribute required disclosures to borrowers as needed
• Provide required closing documents, funding details, and related instructions to closing agents
• Assist in resolving customer and attorney questions or concerns
• Complete post-closing process and collaborate with the post-closing department regarding investor/audit conditions
• Respond to customer issues or concerns, recognizing when escalation is needed to improve the customer experience
• Organize and maintain loan documentation, verifying files are complete, current, and compliant with regulatory requirements, internal policies and industry best practices
• Serve as a liaison between lenders, customers, realtors, attorneys, and internal teams, maintaining effective communication throughout the loan process
• Generate and maintain reports to monitor the status of loan applications, identify potential issues, and support decision making
• Identify and capitalize on opportunities to refer banking products and services to the appropriate business partner
• Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks
• Attend training as requested
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
• Participate in outside community activities as required
• Perform other duties as assigned

REQUIRED QUALIFICATIONS:

• High School diploma or GED
• 3 years of previous mortgage experience preferred
• Knowledge of mortgage regulations, compliance and industry best practices preferred
• Proficient with Microsoft Office to include Excel
• Proficient with mortgage software and documentation systems
• Ability to work on multiple projects simultaneously while accomplishing daily tasks and meeting deadlines
• Effective verbal and written communication skills
• Excellent interpersonal skills
• Analytical ability
• Critical thinking and problem-solving skills
• High standards for integrity, honesty, professionalism, and work ethic
• Commitment to service excellence
• Ability to work independently while demonstrating excellent organization and follow through
• Demonstrate flexible and efficient time management and ability to prioritize workload
• Ability and willingness to work with purpose and a strong sense of urgency
• Self-motivated, positive, and enthusiastic
• Self-starter with a strong desire to exceed expectations
• Maintain confidentiality discretion
• Ability to effectively work in collaboration with others to achieve business objectives
• Willing to grow and be challenged

COMPREHENSIVE BENEFITS & RECOGNITION
We believe success should be acknowledged and celebrated. That's why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees' contributions are recognized companywide.

GROW WITH US

"Grow With Us" is more than a slogan-it's an invitation. Whether partnering with local schools to teach the next generation hands-on financial life lessons through School Bank, exploring diverse career paths through our Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you'll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.