Mortgage Loan Closer

What you’ll do

• Review loan files and closing documents to confirm they meet company, investor, regulatory, and compliance requirements.
• Reconcile and approve Closing Disclosures before closing documents are released.
• Prepare accurate and complete closing document packages within established turn times.
• Schedule loan closings directly with borrowers and coordinate with title or settlement partners.
• Communicate clearly and professionally with members throughout the closing process.
• Identify missing, inaccurate, or inconsistent information and coordinate corrections with processing, underwriting, title, and post-closing teams.
• Maintain complete and accurate loan information and documentation within the loan origination system.
• Use checklists, job aids, and established procedures to confirm all required closing steps are completed.
• Manage a pipeline containing loans of varying products, complexity, and closing timelines.
• Prioritize files based on closing dates, document readiness, regulatory requirements, and member impact.
• Process a minimum of three files per day during normal business operations and adjust to changing production expectations established by management.
• Develop a strong understanding of the full loan lifecycle and how closing activities affect funding, post-closing, and the overall member experience.
• Consistently meet service-level expectations, quality standards, and closing deadlines.

What you’ll need

• A minimum of 2–3 years of recent, hands-on mortgage closing experience.
• Experience personally reviewing and preparing mortgage closing documents.
• Experience reconciling and approving Closing Disclosures.
• Working knowledge of TRID requirements and their application during the closing process.
• Experience communicating directly with borrowers or members regarding closing requirements, scheduling, and issue resolution.
• Experience coordinating with title companies, settlement agents, processors, underwriters, and other lending partners.
• Ability to independently manage a pipeline of loans with competing deadlines and varying levels of complexity.
• Strong attention to detail and a demonstrated commitment to document and data accuracy.
• Strong written and verbal communication skills.
• Ability to prioritize, multitask, and make sound decisions in a deadline-driven environment.
• Ability to follow established procedures while recognizing when an issue requires escalation or additional review.

Nice to have

• Experience closing Conventional loans.
• Experience closing FHA or VA loans.
• Experience closing Home Equity loans.
• Experience using Encompass or a comparable loan origination system.
• Experience managing approximately 80–100 loan files per month.
• Experience working in a high-volume mortgage lending environment.