Closing Department Manager

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

📋 Description

• The Closing Department Manager is tasked with overseeing the complete mortgage closing process, ensuring that loans are finalized accurately, efficiently, and in adherence to legal and regulatory standards.

• Supervise closing operations, coordinate internal teams and external title and settlement partners, and provide expert guidance on intricate legal and title issues.

• Work closely with Underwriting, Credit, Processing, and Funding to enhance operational efficiency, minimize risk, and facilitate timely loan disbursement.

• Standardize closing processes, legal checklists, and documentation standards to guarantee compliant and error-free loan closures.

• Enhance Clear-to-Close turnaround times by optimizing legal and documentation workflows.

• Reinforce quality control measures to lessen post-closing defects and reduce legal exposure.

• Foster strong relationships with closing attorneys, title companies, and settlement agents to elevate service quality and operational efficiency.

• Act as the legal and operational authority on complex transactions, aiding in effective deal structuring and prompt loan funding.

• Lead the Closing Team – Manage and nurture closing staff while ensuring timely, precise, and compliant loan closures.

• Direct End-to-End Closings – Oversee the closing process from Clear-to-Close (CTC) to funding.

• Provide Legal Oversight – Review and authorize loan documents, title commitments, settlement statements, and legal exceptions.

• Manage Attorney & Title Relationships – Supervise closing attorneys, title companies, settlement agents, and escrow partners.

• Address Complex Closing Issues – Act as the main escalation point for title defects, lien priorities, vesting matters, legal disputes, and state-specific closing regulations.

• Ensure Regulatory Compliance – Uphold compliance with federal and state lending laws, investor requirements, and company policies throughout the closing process.

• Collaborate with Cross-Functional Teams – Work with Underwriting, Credit, Processing, Valuations, and Funding to swiftly resolve issues and keep loans on track.

• Promote Process Improvement – Create standard operating procedures, enforce quality controls, and streamline workflows to decrease closing cycle durations and post-closing defects.

• Monitor Operational Performance – Analyze KPIs such as clear-to-close turnaround, closing cycle duration, funding accuracy, defect rates, and attorney/title vendor effectiveness.

• Assist in Complex Deal Structuring – Provide insights to leadership regarding legal risks, documentation needs, and transaction frameworks.

⛳️ Requirements

• A Bachelor's or Associate's degree is required.

• Over 10 years of progressive experience in mortgage closing operations, title, escrow, or lending is essential.

• Significant experience in reviewing mortgage loan documentation, title issues, and legal closing prerequisites.

• Demonstrated leadership experience in managing closing teams, workflows, and third-party partnerships, including title companies, settlement agents, and closing attorneys.

• In-depth knowledge of mortgage closing documentation, title review, lien perfection, and regulatory compliance, including TRID, RESPA, and TILA.

• Proven ability to resolve complex closing, title, funding, and legal challenges while ensuring timely and compliant loan closings.

• Remote Work Requirements: A stable, reliable internet connection and a professional, dedicated remote work setup are necessary.

• Preferred Background / Industry Experience: Familiarity with Non-QM mortgage lending or Merchant Cash Advance (MCA) is advantageous.

🏝️ Benefits

• Competitive USD compensation

• Paid Time Off (PTO)

• Fully remote — work from wherever you are most productive!