Closer

This is a fully remote position, open to applicants in California.

📋 Description

• Accountable for the preparation of mortgage closing documents.

• Ensure all critical information is accurate while liaising with internal personnel as well as settlement agents to address all closing issues promptly.

• Comprehend and adhere to all closing procedures to meet Federal and State regulations.

• Verify the accuracy of all essential information submitted for closing.

• Communicate effectively with loan officers, processing teams, and underwriting staff.

• Generate precise figures for monthly payments, escrows, prepaid interest, and more.

• Create and organize all closing documents, including those for conventional, FHA, VA, and USDA loans.

• Review loan documents to ensure compliance with all regulatory requirements.

• Prepare the Closing Disclosure and confirm that all fees are correct on the Final CD, balancing wire with escrow/title.

• Examine executed loan documents to grant funding authorization.

• Serve as the primary contact from the closing request until the loan is shipped to one of our approved agencies or purchased by the investor.

• Manage a closing pipeline, ensuring completion of closing documents within 48 hours for refinance requests and 24 hours for purchase requests.

• Deliver documents ahead of the closing date, adhere to wire cut-off times, collaborate with branches to rectify file errors, and ensure timely delivery of complete closed loan files.

• Promptly follow up on post-closing requests, including providing corrected documents such as the Post Consummation CD and refunds to borrowers when applicable.

⛳️ Requirements

• A minimum of 5 years of experience in preparing mortgage loan closing documents is preferred.

• Familiarity with the closing policies and procedures of various investors.

• Understanding of RESPA, TILA, Fair Lending, Flood, and State laws and regulations is preferred.

• Proficient in Microsoft Office applications, including Word, Excel, Access, PowerPoint, and Outlook.

• Experience with Encompass is preferred.

🏝️ Benefits

• Medical

• Dental

• Vision

• 401K

• Company-provided short-term disability

• Employee assistance program

• Wellness program