Closer

Position Summary

The Closer is responsible for balancing closing disclosures and sending initial and final loan Documents to the closing agent. Inputting and validating Borrower and loan information to insure a compliant loan is closed. Closers are also responsible for initiating funding approval and delivering funds. The individual must be able to concentrate in an open and fast-paced environment, have a high degree of accuracy, and be able to work well under pressure. The individual must have strong communication skills and be able to develop relationships with co-workers, attorneys, and title companies. Must be able to prioritize, follow instructions, take direction from others, and work well alone or in a group. Must be familiar with general mortgage terms, can recognize, and understands the documents required in the processing and closing of mortgage loans.


The Team

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the "fun" in funding.

Location

Fully remote or In-Office/ Hybrid schedules available.

Pay Disclosure

The starting base hourly pay range for this position is $27.88 - $33.65 per hour. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.


Qualifications

• The ideal candidate will have 3 years of experience in Funding and Closing Document Preparation, or a combination thereof.
• Demonstrated strong knowledge of the mortgage industry.
• Must have excellent communication skills, be detail-oriented, and be a self-motivated individual.
• Problem solver with excellent analytical skills.

Education

High school diploma or GED required

Responsibilities

• Demonstrate strong knowledge of TRID, including Compliance Ease review on each transaction.
• Utilize notepad with all job-related changes for all parties.
• SARA Review, verify closing/settlement agent is registered, request updated registration and or updated documents be sent to Secure Insight.
• Demonstrate strong knowledge of minimum required investment for government transactions.
• Closers are responsible for balancing closing disclosures and sending initial and final loan documents to the closing agent.
• Closers are also responsible for initiating funding approval and delivering funds.
• Prepare and deliver Loan Document packages within all disclosure compliance, state, and federal regulations.
• Input all information using the KLIK System - verify all the info is correct in the system and send the CD to the Broker and Title for review.
• Review the SARA report to ensure no changes.
• Review the loan to prepare for closing. Pull all necessary documents:
  1. Closing Agent's draft/prelim CD
  2. HOI
  3. Title, CPL, Wire instructions, & Tax Cert
  4. All invoices (Trust docs, MI Cert, FHA/VA Docs if applicable) to ensure they are accurate, up to date, and within compliance. Request additional docs if necessary.
• Collaborate with title to balance the CD along with updating the fees to ensure fees are accurate and within tolerance.
• Balance the wire and send a wire breakdown.
• Send the package with any additional docs needed.
• Input Warehouse Bank Information along with verifying the wire instructions and the closing date are accurate. Request wire internally via KLIK.
• Net fees on funding | Over wire or net funded.
• Threshold Requirements: 6 Fundings Daily.

Work Authorization

Must be able to verify identity and employment eligibility to work in the U.S without company visa sponsorship.

Other Duties

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned in order to meet the needs of the organization.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.