Mortgage Closer

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Job Summary

The Mortgage Closer is responsible for reviewing loan packages, scheduling loan closings, and preparation of loan closing documents prior to loan funding.

Essential Duties and Responsibilities

• Manages pipeline of loans to ensure service standards and financial goals are met. Reviews files for accuracy, updates information on LOS as needed, and clears closing conditions. Prepares initial closing disclosure along with closing package. Ensures loans are in accordance with federal and state regulations such as, but not limited to, RESPA, HMDA, and Fair Lending Practices.
• Prepares, balances, and emails final closing disclosure to title company. Communicates with title company on final documents and ensures docs are delivered in a timely manner for scheduled loan closing.
• Balances final figures with title and orders wire from wire desk.
• Effectively communicates with team members as well as outside entities to facilitate a prompt, efficient closing of each loan.
• Reads and resolves any loan compliance issues during closing/funding process. Responds to and resolves any post-closing/audit findings.
• Performs other duties as assigned.

Position Requirements

Education

• High school diploma or equivalent required

Experience

• Three years loan closing/funding experience in residential mortgage

Functional/Technical Skills

• Working knowledge of RESPA disclosures, FHA, VA, FNMA, and FHLMC guidelines along with title commitments, hazard and flood insurance policies
• Effective written and verbal communication skills
• Demonstrates a commitment to quality customer service
• Strong attention to detail
• Well organized with the ability to multi-task
• Demonstrates strong time management skills with the ability to meet deadlines
• Works well with others
• Proficient in all compliance-related regulations including RESPA
• Strong mathematical skills
• Strong PC skills (MS Office products) and experience with mortgage origination systems
• Working knowledge of Encompass preferred

Environmental/Physical Demands

Work is typically performed in a standard office environment. 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. While performing the duties of this job, the employee is regularly required to sustain predictable work attendance, communicate with others, frequently required to stand, walk, sit, and use arms, hands and fingers to reach, handle or touch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus. Pursuant to the Americans with Disabilities Act, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of an employee. The Company reserves the right to amend or modify this document at any time and without notice.