Job Description

Summary/Objective:

The Mortgage Closer is responsible for providing excellent customer service to internal and external mortgage and home equity members. Duties include, but are not limited to, efficient pipeline management, issuance of closing disclosures, working closely with title companies to balance closing disclosures, delivery of the final closing documents and funding via wire transfers. Validating closing documentation conditions are satisfied. Facilitating solutions for requests or changes presented during and after loan closing. Must be able to work in a fast-spaced environment and be able to pivot as needed to address closing problems timely and professionally.

Duties/Responsibilities:

Essential functions

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Facilitate productive written and verbal communication with our members, branch and production staff, investors, insurers, third-party vendors and servicing staff to address requests and maintain a productive and compliant relationships
• Responsible to work with title company to reconciliation closing disclosure with the title company
• Responsible for ensuring the timely and accurate closing of mortgage and home equity loans in accordance with company policies, investor guidelines, and regulatory requirements
• Analyze documentation and information provided to validate meets established requirements including (but not limited to) finalized underwriting requirements per investor and regulatory guidelines; validating monthly hazard insurance, property tax and private mortgage insurance payments as well as closing payoffs
• Manage a pipeline of loans while maintaining key performance indicators established to control quality, accuracy and efficiency
• Possess a knowledge of mortgage and home equity closing practices and procedures as well as regulatory compliance and quality audit
• Update loan origination systems as needed with required data, commentary and key dates
• Other duties as assigned

Competencies

• Able to work in a fast paced, team-oriented atmosphere where the environment changes on a consistent basis
• Able to prioritize tasks and organization daily functions, multi-tasking a plus
• Able to work with minimal management
• Experience processing task in a paperless environment, a plus
• Excellent oral and written communication skills

Supervisory responsibilities

None

Work environment

Private work area, office setting.

Physical demands

• Long periods of sitting
• Long periods of time viewing computer monitor, vision
• Handling – ability to touch, feel, lift, operate and control equipment, materials, tools and objects with the hands

Travel required

Minimal to none

Required education and experience

• 1-3 years prior mortgage and/or home equity production and/or servicing experience
• Prior branch related experience preferred
• Excellent oral and written communication skills
• Ability to multi-task and work in a fast-paced environment while maintaining a positive attitude
• Able to prioritize tasks and organization daily functions, multi-tasking a plus
• Able to work with minimal management

Other duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.