Mortgage Loan Closer

Job Posting

We are a family-owned bank committed to providing exceptional service and innovative banking solutions while making a difference in the communities we serve. We take great pride in the relationships we build and the lives we impact. We offer the strength of a big bank combined with local decision-making and hometown involvement, setting our community bank apart from the rest.

Our mission is to support the financial goals of individuals and businesses in the communities we call home by offering every person a better banking experience.

Our values:

• Passion: We have an unrelenting drive to be great. Quality service is our #1 priority.
• Commitment: We do not shy away from accountability. We together as a team and embrace the spirit of service.
• Leadership: We are competitive leaders in our markets and a go-to source for finance and lending.
• Community: We're proud to support each other and our local communities. We win when our customers win.

About the role:

Responsible for coordinating, organizing, and preparing residential loan files for closings. Works closely with bank staff, insurers and others to ensure timely and quality customer service. Focuses on supporting the efficient and regulatory compliant closing of residential loan applications.

Position may be located in Rapid City, SD, or Cheyenne, WY. It is not a remote position.

What you will do:

• Prepares, maintains, and distributes closing documentation and regulatory disclosures to department personnel meeting regulatory requirements.
• Performs outreach to facilitate scheduling of loan closings in an efficient and timely manner.
• Manages assigned loan closing pipeline, coordinates mortgage closing activity with department personnel and communicates and/or responds to file inquiries, deficiencies, and expired documentation.
• Processes loan funding in accordance with policy and procedures.
• Prepares CD 3-5 days prior to closing and ensures that acknowledgement from the customer is timely.
• Ensures all PTC, PTD, and PTF conditions are completed.
• Reviews the title commitment and survey.
• Sends closing documents and funds/wire to the title company once file is clear to close and pulls all necessary documents from the file for signature or initials.
• Prepares and send files to QC for first choice picks.
• Orders mortgage payoffs.
• Finalizes monthly HMDA reports.
• Assists with post-closing documentation correction and communication to borrower when necessary.
• Collaborates with department management and colleagues to complete projects/assignments as needed.
• Other duties as assigned.

What you will need:

• Associates degree or equivalent in related field preferred.
• 2+ years related experience preferred.

What we offer:

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation, Sick, and Holiday time
• A competitive 6% 401k match
• And more!

Candidate must pass a pre-employment screening including credit history and criminal record check.

Our company provides equal employment opportunities (EEO) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.