Accounting Close, Communication Skills, Customer Experience, Customer Relations, Customer Support/Service, Detail Oriented, Escrow, Establish Priorities, Funding, Loan Closing, Loan Documents, Loan Review, Microsoft Excel, Microsoft Outlook, Microsoft PowerPoint, Microsoft Product Family, Microsoft Word, Mortgage, Mortgage Lending, Presentation/Verbal Skills, Process Management, Retail Channel, Sales Closing Skills, Sales Pipeline, Startup, Time Management, Truth in Lending Act (TILA), Underwriting, Wholesale Industry, Work From Home, Writing Skills
Are you detail-obsessed, compliance-savvy, and thrive in a fast-paced environment?
ResiCentral is looking for a Mortgage Closer who's ready to take ownership of the closing process and deliver an exceptional experience for our clients. In this role, you'll be the final checkpoint\u2014ensuring every "i" is dotted and every "t" is crossed before the loan is funded.
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.
This position requires working onsite at ResiCentral's Land O' Lakes headquarters twice weekly, providing opportunities for collaboration and team engagement.
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
- 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.
- Must be able to lift 15 pounds at a time.
Education and Experience
- A College degree is desired.
- High school diploma or GED is required.
- 2+ 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.
Monday\u2013Friday, 8:00 AM\u20135:00 PM or 9:00 AM\u20136:00 PM EST
Hybrid \u2014 on-site at ResiCentral's Land O' Lakes headquarters two days per week, remote on other days.