Mortgage Closer

The Mortgage Closer is a senior clerical position within the Mortgage Division. Location listed is preferred but other locations within the Renasant footprint may be considered based upon convenience and business necessity.

Responsibilities

• Coordinate mortgage loan closings with closing agents, loan originators, and loan processors for correspondent/wholesale lenders and retail lenders
• Prepare mortgage closing packages, per closing instructions, and send to closing attorney with funds (if applicable) prior to closing
• Review and approve HUD-1 and HUD-1A’s for closing and/or closing disclosures for closing
• Calculate APR and issue final TIL when applicable
• Prepare funding worksheet to calculate net funded wire
• Wire funds to closing agent or correspondent bank as needed to fund or purchase a loan
• Run tickets to clear funding (if applicable)
• After loan closing, finalize loan in a timely manner in preparation for the post closing department
• Work with loan underwriters, processors, and post closing on any outstanding conditions to be cleared
• Promote and maintain good public relations with customers, realtors, and attorneys
• Perform other related duties as assigned

Qualifications

• High school diploma or equivalent required
• Minimum of 2 years job related experience
• Ability to operate a personal computer using Microsoft Word and Excel
• Working knowledge of loan documentation and bank terminology
• Must have working knowledge of RESPA and TILA regulations
• Basic knowledge of Accounting
• Ability to deal tactfully and effectively with customers as well as fellow employees
• Good organizational skills and ability to manage time efficiently within deadlines
• Ability to read, understand, and adhere to internal and governmental policies and procedures
• Ability to learn and utilize all necessary computer applications

Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear.
• The employee is occasionally required to walk.
• The employee must occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

• The Bank’s professional working environment requires employees to communicate effectively, both verbally and in writing.
• Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients.
• Employees may be exposed to confidential and proprietary information within the working environment, therefore, must uphold confidentiality at all times.
• Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank’s employees, customers, and assets.