Closer

• Prepare, review, and finalize loan closing documents for Non-QM mortgage loans, ensuring accuracy and adherence to company and investor guidelines.
• Verify loan terms, fees, and conditions, ensuring compliance with all applicable state and federal regulations.
• Coordinate with account executives, underwriters, processors, and other stakeholders to facilitate timely and efficient closings.
• Identify and resolve any outstanding conditions, discrepancies, or documentation issues prior to closing and funding.
• Ensure all required documentation is properly executed, recorded, and stored in compliance with company and regulatory requirements.
• Communicate closing timelines, funding status, and expectations to all involved parties to ensure a seamless borrower and partner experience.
• Review closed loan files to confirm that all funding conditions are satisfied before authorizing fund disbursement.
• Authorize the release of funds to title or escrow companies once all closing conditions are met, ensuring compliance with internal wire procedures.
• Balance and disburse loan funds in accordance with company policies and reconcile warehouse lines daily for accuracy.
• Audit closed loan packages for completeness, accuracy, and regulatory compliance prior to funding.
• Maintain accurate records of loan files and funding transactions, ensuring timely upload of documents into the Loan Origination System (LOS).
• Stay current on Non-QM program updates, investor requirements, and regulatory changes to ensure compliant and efficient processes.
• Assist in identifying and implementing process improvements to enhance operational accuracy and workflow efficiency.
• Provide support and guidance to team members as needed, fostering a collaborative and high-performing work environment.

• 3+ years of experience in mortgage closing and funding preferably in the Non-QM space.
• Strong knowledge of Non-QM loan products, mortgage closing/funding procedures, and regulatory requirements.
• Experience working with Loan Origination Systems (LOS) and mortgage document preparation software.
• Detail-oriented with strong analytical and problem-solving skills.
• Excellent communication and organizational abilities, with the capacity to multitask in a fast-paced environment.
• Ability to work both independently and collaboratively to meet deadlines and maintain efficiency.
• Familiarity with TRID, RESPA, and other mortgage compliance regulations.
• Proficiency in Microsoft Office Suite (Excel, Word, Outlook) and wire reconciliation processes is a plus.