Closer

Responsibilities

• Prepare, review, and finalize Closing Disclosures (CDs) to ensure accuracy, completeness, and compliance with TRID, RESPA, and applicable federal and state regulations.
• Obtain and validate final closing details from settlement agents and conveyancing attorneys, including fees, payoffs, escrows, credits, and disbursement information.
• Finalize funding figures, including confirmation of final wire amounts and verification of wiring instructions and account numbers with settlement agents prior to funding.
• Ensure Closing Disclosures and closing packages are released in advance of closing, in accordance with regulatory timing requirements and internal service level expectations.
• Review loan closing packages for completeness and accuracy prior to release, including confirmation of escrow calculations and cash to close figures.
• Distribute finalized Closing Disclosures and closing documentation to settlement agents, attorneys, brokers, and borrowers within required timelines.
• Cook up with internal departments—including Processing, Underwriting, Secondary Marketing, Funding/Wire teams, and Post Closing—to ensure loans continue to progress and all closing deadlines are met.
• Maintain settlement agent and attorney files, including required documentation such as closing protection letters and evidence of insurance coverage.
• Aid settlement agents and attorneys before and at closing to resolve issues and ensure successful execution of closing documents.
• Respond to internal and external audit requests in a timely, accurate, and professional manner.
• Support the Post Closing team by assisting with trailing documents and resolution of closing exceptions.
• Perform additional duties and projects related to loan closings as assigned by management.

Qualifications

• TRID and Closing Disclosure experience is required, including demonstrated knowledge of regulatory timing and accuracy requirements.
• 2+ years of residential loan closing experience and/or Encompass Loan Origination System experience preferred.
• Strong organizational and time management skills with the ability to manage multiple loans and deadlines simultaneously.
• High level of attention to detail and accuracy.
• Excellent written and verbal communication skills with the ability to interact professionally with internal teams and external partners.
• Strong problem-solving skills and the ability to work effectively in a fast-paced, deadline-driven environment.
• Willingness to work overtime as business needs require.
• Above average computer skills; experience with loan origination systems and standard office applications preferred.

Benefits

Leader Bank offers an excellent compensation and benefits package including 401k plan with corporate match, medical and dental insurance, and the opportunity to work for a fast-growing, local organization. Leader Bank, N.A. is an Equal Opportunity and Affirmative Action employer and does not discriminate on the basis of race, color, religion, age, gender, marital status, sexual orientation, national origin, disability, military status, veteran status, or any other protected class.