Mortgage Closer

Job Summary

The Closer will prepare and review closing documents for mortgage loans working in both retail and wholesale channels. The Mortgage Closer is to coordinate the closing process by confirming that all documents are correct, within compliance, and meet agency guidelines. This position will also be responsible for performing a multitude of tasks such as preparing closing documents, being a point of contact, coordinating closings, and ensuring loans are compliant.

Duties/Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Issue the Initial and Signing Closing Disclosure; ensure fees meet RESPA and TILA requirements; address any tolerance cures
• Validate the Final Closing Disclosure fees and ensure it meets underwriting guidelines for cash to close and cash back to borrower
• Verify required information within the loan file such as spelling of borrower’s names, property address, lock expiration, flood cert
• Confirm compliance documents meet TRID requirements
• Review of tax bill and ensure that the borrower’s escrow account is setup in accordance with federal guidelines
• Draw closing documents in accordance with federal, state and investor guidelines
• Knowledge of closing package documents as well as wet/dry state requirements
• Review executed loan documents for accuracy and compliance, and to ensure borrower signature and dates meet guidelines
• Responsible for addressing and clearing all Prior to Funding and Closing conditions
• Review compliance and fraud reports and address any alerts
• Perform final verbal verification of employment
• Work independently and manage assigned pipeline ensuring that expected turn times and production goals are met
• Ensure all calls and emails are responded to in a timely manner
• Elite Client Service

Required Skills/Abilities

• Ability to prioritize projects 
• Experienced in Microsoft ,Word, Excel, PowerPoint, and Outlook
• Encompass Experience Required
• Closing Disclosure Preparation
• Balancing and Collaboration with Escrow
• You can meet critical deadlines in a dynamic, rapidly changing environment.
• You understand working with highly sensitive and confidential matters.
• You are trustworthy, honest, and display a high level of integrity.
• You obsess over detail and accuracy.
• You understand that flexibility is key in an ever-changing industry and start-up environment.
• You thrive in a dynamic, fast-paced environment and in the face of ambiguity.
• You have a professional demeanor and strong work ethic.
• Strong written/verbal communication skills. 
• Unwavering attention to detail.
• Provide exemplary service in all client interactions and communications; always uphold the ResiCentral service standards and exercise good judgment.

Physical Requirements

• Prolonged periods sitting at a desk and working on a computer.

Education and Experience

• Closing and Funding experience in a wholesale environment preferred
• A College degree is desired. 
• High school diploma or GED is required.
• 5+ years Closer or applicable experience as a minimum is strongly preferred.
• Previous remote work experience desired.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.