Closer

Essential Functions

• Review the file and complete a pre-audit form to determine if the loan is ready to close.
• Proficiently use closing software.
• Catch and correct clerical or system errors in the loan package or in calculating the payoff.
• Affirm that all underwriting conditions are met before sending closing packages.
• Timely delivery of closing packages to settlement agents.
• Prepare the Closing Disclosure (CD) and ensure it meets Underwriting guidelines.
• Communicate and resolve issues with Closing Agents during borrower closings.
• Complete a pre-funding audit on each file prior to disbursement.
• Know and understand how to fund loans.
• Provide exceptional service to customers with innovative and creative solutions.

Job Requirements

• High school diploma or equivalent required.
• Minimum 2 years mortgage closing experience.
• Good organizational and time management skills.
• Excellent written and verbal communication skills.
• Basic knowledge of agency and underwriting guidelines.
• Strong analytical and problem-solving skills.
• Basic knowledge of accounting principles such as debiting and crediting.
• Knowledge of FHA, USDA, VA, FNMA and FHLMC guidelines.
• Ability to meet sudden deadlines.
• Multi-task orientation.
• Excellent PC skills.
• Knowledge of closing practices, mortgage documentation, recording practices, title/abstract legalities.
• Some formal Underwriting or Processing experience is a plus.
• Knowledge of lending guidelines for all states is a plus.
• Knowledge of how to use MSP.
• Third party lending production experience is preferred.
• Extended hours sitting and performing computer tasks may be required.

Benefit Package

• Four Medical Plan Offerings to choose from
• Employer HSA Contributions (Coverage/Plan exclusions)
• Employer Provided Life Insurance Policy
• Annual Health Incentive
• Annual Wellness Reimbursement
• Tuition Reimbursement program
• Generous Match 401k Retirement Plan
• Paid Sick Leave
• Paid Vacation Leave
• 11 Paid Holidays based on the Federal Reserve Calendar