Closer

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

📋 Description

• Prepare closing documents for mortgage transactions.

• Verify the accuracy of essential information and address closing issues with internal personnel and settlement agents.

• Adhere to closing protocols to meet Federal and State regulations.

• Review critical information submitted for the closing process.

• Engage with loan officers, processing teams, and underwriting personnel.

• Calculate figures for monthly payments, escrows, prepaid interest, and related components.

• Create and organize closing documentation for conventional, FHA, VA, and USDA loans.

• Examine loan documents for compliance with regulatory standards.

• Prepare Closing Disclosures, confirm final fees, balance wires with escrow/title, and review executed documents for funding clearance.

• Act as the main point of contact from the closing request to loan shipment or investor acquisition.

• Assess each loan for TRID, Fair Lending, Reg B, and other Federal or State compliance mandates.

• Manage the closing pipeline, ensuring refinance documents are completed within 48 hours and purchase documents within 24 hours.

• Deliver documents prior to closing, adhere to wire cut-off times, rectify file errors with branches, and ensure prompt delivery of fully closed loan files.

• Address post-closing inquiries, including corrected documents, Post Consummation CD, and borrower refunds when necessary.

• Operate during Pacific Standard Time Zone working hours to assist the West Coast region.

⛳️ Requirements

• Preferred 5 years of experience in preparing mortgage loan closing documents.

• Familiarity with various investors’ closing policies and practices.

• Preferred knowledge of RESPA, TILA, Fair Lending, Flood, and State laws and regulations.

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

• Experience with Encompass is preferred.

• Ability to work during Pacific Standard Time Zone hours.

• Capacity to prepare closing documents within 48 hours for refinance requests and within 24 hours for purchase requests.

• Ability to adhere to Federal and State mortgage closing, regulatory, and disclosure requirements.

🏝️ Benefits

• Competitive compensation package

• Medical insurance coverage

• Dental insurance benefits

• Vision insurance options

• 401K retirement plan

• Short-term disability provided by the company

• Employee assistance program available

• Wellness program initiatives

• Comprehensive benefits package

• Commitment to equal employment opportunity and a culture of diversity and inclusion