Closer

Role Overview

• Review mortgage loan files to identify and clear outstanding conditions prior to closing.
• Manage loans through the final stages of the mortgage closing process.
• Prioritize and manage an active closing pipeline based on scheduled closing dates.
• Coordinate with Processors, Underwriters, Funding, and Team Leads to ensure timely closings.
• Resolve closing issues while keeping transactions on schedule.
• Prepare and issue Closing Disclosures (CDs) to borrowers and settlement agents in accordance with CFPB and TRID timing requirements.
• Ensure Closing Disclosures are acknowledged prior to document preparation.
• Generate complete closing packages for settlement agents.
• Verify the accuracy of closing documentation before release.
• Maintain accurate loan documentation throughout the closing process.
• Partner with title companies and closing agents throughout the closing process.
• Confirm closing costs and review final settlement figures.
• Ensure all required closing documents and conditions have been received.
• Communicate outstanding items necessary to successfully complete transactions.
• Respond to questions and resolve issues related to scheduled closings.
• Ensure compliance with CFPB, TRID, agency, investor, and company guidelines.
• Maintain current knowledge of federal, state, and local mortgage regulations.
• Verify loan information for accuracy prior to closing.
• Maintain complete and compliant loan records.
• Support quality standards that minimize post-closing corrections.
• Enter and maintain accurate loan information within Encompass and the Loan Origination System (LOS).

Requirements

• Minimum of 3-5 years of mortgage closing experience.
• Solid understanding of residential mortgage lending and closing processes.
• Strong knowledge of CFPB regulations and TRID disclosure requirements.
• Exceptional organizational and time management skills.
• Strong attention to detail with a high level of accuracy.
• Excellent written and verbal communication skills.
• Ability to prioritize multiple deadlines in a fast-paced environment.
• Strong problem-solving and customer service skills.
• Ability to work independently while collaborating effectively with cross-functional teams.
• Proficiency using mortgage software and Microsoft Office applications.

Benefits

• Competitive hourly pay $29.00-$37.00/hr
• per file incentive
• Comprehensive Medical, Dental & Vision Coverage
• 401(k) Program with match
• Paid Time Off & Company Holidays
• Professional Development Opportunities
• Career Growth within Mortgage Operations
• Collaborative, high-performing team environment