Closer

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

📋 Description

• Analyze mortgage loan files to identify and resolve outstanding conditions before closing.

• Oversee loans through the concluding stages of the mortgage closing process.

• Prioritize and manage an active closing pipeline according to scheduled closing dates.

• Collaborate with Processors, Underwriters, Funding, and Team Leads to guarantee timely closings.

• Address closing issues while ensuring transactions remain on schedule.

• Prepare and distribute Closing Disclosures (CDs) to borrowers and settlement agents in compliance with CFPB and TRID timing requirements.

• Confirm acknowledgment of Closing Disclosures prior to document preparation.

• Create comprehensive closing packages for settlement agents.

• Verify the correctness of closing documentation before distribution.

• Maintain accurate loan documentation throughout the closing timeline.

• Partner with title companies and closing agents during the closing process.

• Validate closing costs and review final settlement amounts.

• Ensure all necessary closing documents and conditions have been submitted.

• Communicate outstanding items needed to successfully finalize transactions.

• Address inquiries and resolve issues related to scheduled closings.

• Ensure adherence to CFPB, TRID, agency, investor, and company guidelines.

• Stay updated on federal, state, and local mortgage regulations.

• Confirm loan information for accuracy prior to closing.

• Maintain complete and compliant loan records.

• Uphold quality standards that reduce post-closing corrections.

• Input and maintain accurate loan information within Encompass and the Loan Origination System (LOS).

⛳️ Requirements

• A minimum of 3-5 years of experience in mortgage closing.

• Strong understanding of residential mortgage lending and closing procedures.

• In-depth knowledge of CFPB regulations and TRID disclosure requirements.

• Outstanding organizational and time management abilities.

• High attention to detail and a commitment to accuracy.

• Excellent written and verbal communication skills.

• Capability to prioritize multiple deadlines in a fast-paced setting.

• Strong problem-solving skills and a customer-focused mindset.

• Ability to work independently while effectively collaborating with cross-functional teams.

• Proficiency in mortgage software and Microsoft Office applications.

🏝️ Benefits

• Competitive hourly wage of $29.00-$37.00/hr

• Incentive per file

• Comprehensive Medical, Dental & Vision Coverage

• 401(k) Program with matching contributions

• Paid Time Off & Company Holidays

• Opportunities for Professional Development

• Career Advancement within Mortgage Operations

• Collaborative and high-performing team environment