Sr. Specialist, Mortgage Loan Closer

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Summary of the Job:

The Sr. Specialist, Mortgage Loan Closer creates complete, compliant, and accurate closing packages for 1st Mortgage loans. The role acts as a primary liaison between Mortgage Loan Officers, Settlement Agents, and Borrowers to validate fees, cross-reference data, and manage a pipeline of files under strict regulatory timelines. Additionally, this position will cross-train and be a back-up to the Initial Disclosure team.

About This Role:

Closing Operations

• Complete Closings: Process Initial and Final Closing Disclosures (CD) in accordance with TRID and regulatory guidelines.
• Fee Verification: Validate all third-party service fees and loan details
• Escrow Management: Build precise escrow accounts utilizing accurate payment schedules, tax figures, and premium due dates.
• Partner Collaboration: Partner closely with settlement and title agents to finalize closing numbers and reconcile discrepancies.
• Verbal VOEs: Complete required verbal Verification of Employment checks within 10 calendar days of closing.
• Financial Funding: Calculate, verify, and transmit accurate wire originations to funding destinations.
• Document Review: Audit all "At Closing" documentation and conditions prior to packaging files for Post Closing and Servicing departments.

Initial Disclosures

• Pipeline Support: Assist the Disclosure Desk by preparing and distributing Initial Disclosure packages—including the Loan Estimate (LE)—within TRID required timelines.

Key Skills

• Attention to Detail: Absolute focus on precision, ensuring document accuracy and thorough monitoring of compliance parameters.
• Time Management: Strong organizational capability to manage closing queues.
• Critical Thinking: Systematic approach to synthesizing loan details, solving issues, and establishing closing facts.
• Adaptability: Flexibility to shift work priorities dynamically between closing responsibilities and disclosure desk back-up.

The Ideal Candidate for This Role:

Required Qualifications

• Experience: 3–5 years of mortgage loan closing and disclosure experience within a high-volume financial institution.
• Technical Systems: Working knowledge of the Encompass Loan Origination System (LOS).
• Regulatory Mastery: Knowledge of TRID, RESPA, and TILA federal compliance guidelines.
• Loan Programs: Direct experience preparing closing paperwork for Conventional, VA, FHA, and State Bond programs.
• Communication: Excellent verbal and written communication skills to handle customer, vendor, and sales-team interactions.

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation:

Compensation range (base pay): $45,320.00-$72,512.00

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment:

It is anticipated that the incumbent in this role will work remotely, offering you the freedom to contribute to our mission from wherever you work best, without compromising on career growth or connection to our team. Regardless of your location, you'll be fully integrated into our team through robust digital collaboration tools and regular communication. The incumbent can work remotely from any of the states listed on the job posting, though occasional travel may be required for in-person meetings. Please note, work location is subject to change based on business needs.

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20261958

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days.  Job postings may come down prior to 5 calendar days based on volume of applicants.