Job Description

The Home Mortgage Closing Senior Specialist is responsible for the collection and review of documentation required to prepare closing documents, as well as supporting the coordination of department workflow. This role partners with title companies, escrow agents, attorneys, and internal stakeholders to ensure accurate and timely loan closings.

Primary Responsibilities

• Review loan files to ensure all required documentation is complete and accurate
• Coordinate with title companies, attorneys, escrow agents, and borrowers to schedule closings
• Validate loan terms (interest rates, fees, and conditions) against the original loan agreement
• Prepare Closing Disclosures and closing packages across multiple products, including CEMA, COOP, Portfolio, FHA, CHFA, HELOCs, and HELOANs
• Ensure compliance with TRID guidelines, including VCC processes, cure avoidance, and timely CD acknowledgment
• Receive and review closing documents for completeness and accuracy; identify and communicate any deficiencies
• Partner with customers and account executives to resolve documentation gaps and obtain corrections
• Reconcile wires and confirm balances with settlement agents prior to funding
• Review all closing conditions and confirm all funding documents are in place prior to issuing funding authorization
• Disburse funds following closing in accordance with established procedures
• Communicate effectively with all parties to support a smooth and timely closing process
• Pull and review daily pipeline reports to manage workflow and prioritize closings
• Meet or exceed production expectations of a minimum of 40 loans per month
• Maintain an average quality score of 95% or higher

Required Qualifications

• 5+ years of Home Mortgage Closing experience, including complex loan structures and high-net-worth client transactions
• Advanced knowledge of mortgage products, including portfolio, jumbo, HELOC, and specialized Private Bank offerings
• Expertise reviewing and interpreting complex ownership structures, including LLCs, trusts, and layered entities
• Strong proficiency with Adobe tools for reviewing, editing, and ensuring accuracy of closing documents and packages
• Strong understanding of regulatory and compliance requirements, including TRID and Closing Disclosure accuracy
• Ability to review and validate closing documentation, including operating agreements, trust documents, and title policies
• Experience coordinating with attorneys, title companies, relationship managers, and clients throughout the closing process
• Strong attention to detail with a focus on document accuracy and quality control
• Ability to manage competing priorities and meet critical closing deadlines
• Service excellence mindset with a focus on high-touch client experience

Preferred Qualifications

• Experience supporting Private Bank or high-net-worth client segments
• Familiarity with construction-to-perm, non-agency, or specialized loan products
• Proficiency with mortgage systems (e.g., Empower) and document preparation tools

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday-Friday - 4 days in the office 11-8PM (West Coast Hours) - overtime when necessary

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.