Mortgage Loan Closer Job Description Sample

Job Description:

ABOUT THE JOB (JOB BRIEF)

The Mortgage Loan Closer reports to the Mortgage Loan Closing Manager and is responsible for viewing loan approval conditions, insurance policies, title commitments, surveys, sales contracts, and all other related documentation to ensure that the loan will be closed in accordance with all legal requirements and investor guidelines. Authorizing closing of loan, recording of mortgage and disbursement of loan funds. Communicate with Loan Officers, Regional Sales Managers, clients and title companies to coordinate a smooth closing. Possess the ability to close an array of mortgage loan types while providing excellent internal and external customer service. Must have a complete knowledge of all loan types and documents including but not limited to Conventional, FHA, VA, USDA, and New Construction. Must demonstrate solid knowledge of the industry in terms of laws and regulations.

ESSENTIAL JOB FUNCTIONS

• Verify that Title is free of extraneous liens, Ensure proper vesting and legal description, Adequate Homeowners Insurance is provided, Verify CPL, Verify Flood Certs, Verify Taxes

• Monitor and maintain a pipeline to anticipate estimated closing date.

• Competently review loan files to insure all conditions are cleared and file is ready to close

• Entry of loan data into the origination system to produce closing documents.

• Review and ensure the loan closing package is accurate, complete and documents meet all applicable agency and investor requirements.

• Responsible for efficiently and effectively communicating with all parties involved in the transaction

• Ensure receipt and review of Subordination Agreements as required in the Loan Approval.

• Track and support information, ensuring the highest quality in loan document preparation and timely submission of loan packaging to the settlement agents.

• Coordinate with Settlement Agent to obtain HUD-1/Closing Disclosure. Review HUD/Closing Disclosure for compliance with closing instructions and balance the HUD-1/Closing Disclosure.

• Verification that all requirements of the loan process have been met prior to wire of funds

• Keeps information accessible by sorting, organizing, and filing documents

• Perform other job duties and assist with other office assignments when needed within the mortgage department

REQUIRED QUALIFICATIONS

• High school diploma or equivalent work experience required

• Minimum of 2+ years residential mortgage loan closing experience

• Working knowledge of FHA, VA and conventional guidelines for mortgage loan origination.

• Working knowledge of various regulatory guidelines (e.g., Truth-in-Lending, HMDA, RESPA, etc.).

• Ability to work in paperless system environment

• Excellent written and verbal communication skills

• Strong attention to detail with effective time management/organizational skills.

• Ability to prioritize and meet deadlines

• Ability to handle multiple tasks under tight time constraints with high volume

• Must demonstrate the ability to work in a fast-pace, high volume, market driven work environment, while remaining motivated and focused completing repetitive, yet business critical tasks

• Ability to handle confidential material in a professional, highly ethical manner.

Employees in this job are required to comply with all rules and regulations of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Employees hired or transferring into this position will need to meet the qualification requirements, in Key's sole discretion, under Reg. Z, prior to acting as a loan originator in a consumer credit transaction secured by a dwelling. Qualification requirements include but are not limited to an assessment of overall financial responsibility, character, and general fitness through review of a criminal background check, credit report, and information about any administrative, civil, or criminal findings by any government jurisdiction.

ABOUT KEY:

KeyCorp's roots trace back 190 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation's largest bank-based financial services companies, with assets of approximately $134.5 billion at March 31, 2017. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. KeyBank is Member FDIC.

ABOUT THE BUSINESS:

Key Community Bank serves individuals and small to midsized businesses from Maine to Alaska through our 15-state network of over 1,200 branches, 1,500 ATMs, telephone banking and robust online and mobile platforms. KeyBank's Consumer/Business Banking segment provides consumers and small business owners with straightforward banking solutions and personal finance expertise that helps them make confident financial decisions today and plan for tomorrow. Key Private Bank offers wealth planning that follows a consistent, disciplined approach guided by objective advice based on each unique situation. KeyBank Commercial Bank offers midsize business financial services that drive growth and profitability and help business owners identify new opportunities with products and services including deposit, cash management, investment services, commercial lending, equipment leasing, and asset-based lending.

FLSA STATUS:Non-Exempt

KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

JobID: 28629BR

GENERAL SUMMARY: Under limited supervision, coordinates loan closings, including all activities from preparing loan documents to funding through boarding and forwarding to Loan Servicing.

DUTIES and RESPONSIBILITIES:

• Reviews file documentation for completeness and accuracy to ensure compliance with CFCU policies, procedures and product guidelines.

• Prepares loan documents for closing.

• Reviews loan documentation prior to funding to ensure that proper approvals are obtained and proper documents are enclosed.

• Coordinates loan closings with appropriate parties to confirm that all conditions of the loan have been or will be met prior to funding. Ensures proper method of delivery of disbursements to members, title companies and wire transfers.

• Funds all real estate loans, acquiring appropriate signatures on disbursements. Balances funding worksheet prior to release of funds.

• Prepares files for shipping, properly collated and in order with all documentation secured; prepares files for shipping within forty-eight hours of release of funds.

• Follows up on trailing documents; processes and delivers to appropriate parties within forty-eight hours of receipt. Other duties as assigned

Requirements

QUALIFICATION REQUIREMENTS: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and EXPERIENCE:

• High school diploma or general education degree (G.E.D.). Two or more years experience in loan closing.

• Experience with FNMA, FHLMC, and investor documentation and packaging requirements preferred.

KNOWLEDGE, SKILLS, AND ABILITIES:

• Ability to read and comprehend simple instructions, short correspondence, procedure manuals, written agreements, and memos.

• Ability to effectively present information in one-on-one and small group situations to employees and members of the Credit Union.

• Ability to write routine reports and correspondence, including email, using correct spelling and grammar.

• Ability to speak clearly, tactfully, and effectively to members, volunteers, and employees at all levels of organization. Ability to add, subtract, multiply, and divide in all units of measure,

• using whole numbers, common fractions, and decimals. Ability to compute rates, ratios, and percentages.

• Proficient in the use of basic applications in a Windows-based environment.

• Ability to effectively use all applicable banking and loan systems.

• Ability to effectively utilize Outlook and employee Intranet. Internet research skills.

• Moderate keyboard skills at 40 wpm and 10-key by touch.

• Ability to quickly learn specialized software applications.

• Ability to apply common sense understanding to carry out detailed but straightforward written or oral instructions.

• Ability to deal with problems involving several concrete variables in mostly standardized situations.

• Ability to work effectively with members and employees at all levels in the organization.

• Ability to maintain complete confidentiality of member, employee, and Credit Union information.

• Excellent organizational skills and detail orientation. Excellent customer service skills.

PHYSICAL DEMANDS: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Work involves standing and walking for brief periods of time, but most duties are performed from a seated position.

• Work involves extensive use of computers, up to eight hours per day.

• May include occasional pushing, pulling, or carrying objects weighing up to 50 pounds such as files and documents.

• Work normally requires finger dexterity and eye-hand coordination to operate computer keyboard at a proficient skill level.

• Must be able to speak on the telephone for several hours per day. Requires close vision, distance vision, and the ability to adjust focus.

ACCOUNTABILITY: The incumbent in this position is directly responsible for the accuracy, timeliness and professionalism of all assigned work, meeting the following standards:

• Minimum of five funding packages to be reviewed each day.

• Minimum of 3 docs per day (includes Modifications and/or HELOC increases or decreases.

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SUMMARY – Provide quality, accurate and timely customer service involving closing of Mortgage Loans, which include the duties and responsibilities described herein.

ESSENTIAL DUTIES Review loans to confirm terms and conditions of loan approval; communicate information with originators, borrowers, closing attorneys and real estate agents. Review and confirm the accuracy of legal documents and satisfy all approval conditions prior to closing.

Monitor files in pipeline and track rate and credit document expiration dates to insure closing deadlines are met. Comply with bank policies and procedures, regulatory requirements and investor guidelines.

QUALIFICATIONS - to perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE One year certificate from college or technical school; or three to six months related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to read and interpret documents such as procedure manuals.

MATHEMATICAL SKILLS

Intermediate Skills:
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

REASONING ABILITY

Intermediate Skills:
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

COMPUTER AND OFFICE EQUIPMENT SKILLS

Experience with Internet, MS Excel, MS Word, 10-key calculator, facsimile machine, copy machine and should type at least 40 words per minute, etc.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Coordinates settlement between Title Company and/or attorneys and members.

• Reviews closing instructions; determines charges to be collected at closing such as appraisal/inspection fees, credit report charges, recording and title insurance costs, etc.

• Creates, edits and approves the Closing Disclosure (CD) statement and coordinates with the title company on any necessary revisions. Issues the CD to applicable borrowers in accordance with regulatory guidelines.

• Prepares all required Mortgage Loan Closing documents, including, but not limited to Promissory Note, Deed of Trust, Closing Disclosue; prepares appropriate disclosures and any other documents necessary for closing; Documents should be accurate and error free and provided to title company and/or member within specified time frames as determined by management.

• Coordinates with the Mortgage Loan Processor to confirm that all underwriting requirements are met; ensures all loan underwriting conditions are satisfied prior to the preparation of the closing packages.

• Issues clear and concise closing conditions to the settlement attorney and/or title company in an effort to ensure compliance and salability of the loan.

• Provide the title company with any needed follow up to ensure a seamless transaction and timely settlement.

• Responsible for disbursements and following all required accounting procedures.

• Assists with post-closing communication and helps to correct any mistakes made on documentation by the title company at the time of closing.

• Conducts equity loan settlements in a professional manner ensuring all documents are properly signed and notarized. Print checks for Home Equity Line of Credit loans.

• Creates and disburses Home Equity, Home Equity Line of Credit and Land Loans within the core system.

• Remains cognizant of and adheres to NWFCU policies and procedures, and regulations pertaining to the Bank Secrecy Act (BSA)

• Other duties as assigned.

Work Hours
8am

• 4:30pm M-F or 9am

• 5:30pm M-F

Requirements

Education High school graduate or equivalent. At least 1-year mortgage experience as a processor or closer or at least 1-year experience in a mortgage related field. Knowledge of Credit Union Policies and Procedures relating to mortgage operations. Knowledge of federal regulations and compliance issues such as RESPA, REG Z, HMDA, etc. SAFE Act Licensing is required. Skills Use of HP12C financial calculator, Microsoft office suite to include word and excel. Skilled in the use of the internet for information retrieval and online business processing. Proficient in various mortgage software utilized by departments. Solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously. Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences. Ability to analyze and comprehend complex financial data and provide financial alternatives. Professional and effective interpersonal skills.

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

• Please view Equal Employment Opportunity Posters provided by OFCCP here.

• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an

Job Summary

The Closer prepares and delivers closing packages with accurate processing and data entry by gathering the necessary documents and information within designated time frames. Communicates with customers, clients, staff, realtors, brokers, counsel, title companies, etc. to respond to inquiries, resolve problems and obtain any additional documentation required to complete the loan file. Ensures compliance with regulatory and investor requirements and quality customer service standards.

Summary of Role and Responsibilities

• Prepares closing packages for accuracy and detail [e.g., reviews and approves final HUD-1 Settlement Statement, Good Faith Estimate (GFE) and Truth in Lending (TIL) documents for compliance, prepares wire and delivers to Warehouse Lending] by utilizing the Company checklist

• Reviews final Housing and Urban Development (HUD) that title company provides to make sure all requirements are met before closing package is approved for signing (i.e., cash to close, minimum investment, any fee changes that could cause high cost loan, etc.)

• Verifies information from the Closing Document request form into mortgage system by verifying Doc Velocity into Mortgage Builder matches

• Works with Processing on errors found in the proprietary system prior to sending out closing package for close to clear

• Serves as the point-of-contact for all complex closing questions which arise from the Closing Coordinator

• Special projects, as assigned

Qualifications

• Two + years previous experience in a similar role

• High school diploma or equivalent

• Previous experience within the mortgage industry closing loans and processing legal documents

• Advanced customer service skills

• Ability to positively project the Company and department

• Knowledge in Microsoft Word, Excel, Outlook and Internet Explorer

Work Environment

Work is performed within an office environment, with standard office equipment available.

PRIMARY PURPOSE OF THE JOB: Closing of residential mortgages secured by real property.

REQUIREMENTS FOR POSITION: Closer should have a minimum of five (5) years experience in closing residential mortgages.

ESSENTIAL DUTIES:

• Review title insurance binders, surveys, and homeowners insurance policies to ensure compliance with specific loan programs.
• Prepare closing documents for FHA, VA, USDA, Conventional & other specialized loan programs.
• Prepare and issue closing disclosures to ensure compliance with programs & regulatory compliance.
• Prepare & coordinate the delivery of funds to closing
• Assist in the post-closing clearing of conditions as necessary.

OTHER DUTIES: Other duties may be assigned by department head and/or senior management from time to time. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Knowledge, Skills, and Abilities:

• Excellent customer service and communication skills;
• Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines, and standard accepted mortgage industry practices.
• Ability to multitask while maintaining a high level of attention to detail, and while understanding the necessity for communicating and coordinating work efforts with other employees and organizations;
• Excellent oral and written communication skills, strong interpersonal skills, and superior organizational abilities. Ability to effectively present information and respond to questions from senior management, managers, staff and auditors as required;
• Ability to take initiative, to maintain confidentiality, to meet deadlines, and to work in a team environment essential

Mathematical Skills:
Ability to calculate figures and amounts such as interest, commissions, proportions and percentages.

Reasoning Ability:

• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists;
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form;
• Strong analytical skills and the ability to pay attention to details. High degree of accuracy and attention to detail is essential in the performance of this job.

Other Skills and Abilities:

• Skill and ability to use and operate standard office equipment;
• Skill and ability to read and understand typical documents within a loan file, and related materials;
• PC-based computing experience (Word, Excel, PowerPoint, Outlook) essential
• Experience with Encompass very helpful

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job the employee is regularly required to sit; use hands, talk, and hear. The employee is occasionally required to stand; walk; reach with hands and arms; stoop; and must occasionally lift and/or move moderate amounts of weight. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule: This position will primarily be supporting Corridor’s West Coast operations. Working hours are therefore 11:30am to 8:00pm EST. Work from home arrangements are available once initial training has been completed.

This job description does not list all the duties of the job. You may be asked by management or Supervisor to perform other duties, and to take on additional responsibilities. You will be evaluated in part based upon your performance of the tasks listed in this job description, as well as other tasks as assigned.

Senior management has the right to revise this job description at any time. The job description is not a contract for employment, and is not intended to change the at-will nature of your employment.

Division: Risk Management

Department: Compliance

Reports to: VP Asst BSA Officer

Status: Non-Exempt

Grade: 4

Location: Pittsfield, MA

Purpose/Objective:

Ensures adherence to Bank Secrecy Act and OFAC requirements by routine review of CIP and CDD documentation on new and existing accounts. May provide clerical support services to other Bank Secrecy Act and OFAC areas.

Key Accountabilities:

• Verifies new account information and reconciles erroneous information to ensure accounts are set up properly and in accordance with established bank policies and procedures. Ensures all documentation has been obtained on a timely basis and follows up with branch staff for missing or exception items. Files all related forms and documents for account set-up and/or changes to ensure proper records are maintained and readily available. 40%
• Monitors accounts for proper TINs and follows up accordingly on missing or inaccurate TINs; processes required mailings to ensure compliance with state and federal regulations. Performs the annual Non-resident alien review process. 40%
• Provides clerical assistance in support of CTR filings and/or CDD/EDD reviews. 15%
• Keeps abreast of Bank Secrecy regulations, especially as related to developments in Anti-Money Laundering techniques, controls and monitoring. 5%
• Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one's duties.

Education:

• High School diploma preferred or equivalent experience

Experience:

• General office experience
• 1+ years' experience in a banking environment

Skills & Knowledge:

• Excellent organizational skills; ability to multi-task

• Extremely detail oriented; high degree of accuracy

• Proficiency in data entry; dexterity with keyboard

• Excellent computer skills with the ability to learn additional computer skills with ease

• Proficient with Microsoft Office applications

Overview

Responsible for the efficient and timely process of preparing legal documents for the settlement phase of residential mortgages on numerous loan types and products. Responsible for providing high service quality, on demand, to both internal and external customers.

Responsible for the efficient and timely delivery of General Ledger tickets. Responsible for complete and thorough review of HUD 1 and Truth in Lending to assure we are compliant with all regulations.

Hours are 8:30-5:00

Location can be Virginia Beach or Newport News

ResponsibilitiesEssential Duties

• Process documents necessary for the settlement phase of residential mortgages for Fulton Bank, N. A. and affiliates.
  
  Maintaining excellent, high quality working relationships with attorneys and title companies, as well as internal and external customers. Obtaining and reviewing all conditions necessary to close residential mortgage loan, including but not limited to, title binder, fees, closing service letter, wire instructions and hazard and flood insurance policies for accuracy and meeting investor guideline standards. Review and approve certifications required for employee loan to assure accuracy and meeting guideline standards, termite, well, septic, structural, POA, maintenance agreement.
  
  Accurately preparing, composing and reviewing necessary documents for all settlements on all loan and product types, including assisting internal customers with documents needed for preparing second mortgages and combined program and products to meet required guidelines. Assuring accuracy and timely delivery of all closing packages. Objective is to deliver complete closing packages within 8 hours of scheduled closing date to meet customer expectation. Keeping management informed of relevant matters.

• Have thorough knowledge and background in the following areas Conventional and government mortgage closing process and ability to keep self educated in other mortgage lending guidelines and requirements used in combination with loan types. Fiserv Unifi loan origination system, particularly relating to the closing process and delivery functions.
  
  Home Mortgage Disclosure Act and Real Estate Settlement Procedures Act requirements and assure that data is reported correctly and accurately to avoid penalties. State and Federal laws in relation to mortgage loan closings.

QualificationsQualifications:
Education

High School Diploma or equivalent experience. (Required)

Experience
3 or more years Mortgage banking and closing. (Required)

EEO Statement Fulton Financial Corporation ("Fulton") is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.

Overview

Responsible for the efficient and timely process of preparing legal documents for the settlement phase of residential mortgages on numerous loan types and products. Responsible for providing high service quality, on demand, to both internal and external customers.

Responsible for the efficient and timely delivery of General Ledger tickets. Responsible for complete and thorough review of HUD 1 and Truth in Lending to assure we are compliant with all regulations.

Hours are 8:30-5:00

Location can be Virginia Beach or Newport News

ResponsibilitiesEssential Duties

• Process documents necessary for the settlement phase of residential mortgages for Fulton Bank, N. A. and affiliates.
  
  Maintaining excellent, high quality working relationships with attorneys and title companies, as well as internal and external customers. Obtaining and reviewing all conditions necessary to close residential mortgage loan, including but not limited to, title binder, fees, closing service letter, wire instructions and hazard and flood insurance policies for accuracy and meeting investor guideline standards. Review and approve certifications required for employee loan to assure accuracy and meeting guideline standards, termite, well, septic, structural, POA, maintenance agreement.
  
  Accurately preparing, composing and reviewing necessary documents for all settlements on all loan and product types, including assisting internal customers with documents needed for preparing second mortgages and combined program and products to meet required guidelines. Assuring accuracy and timely delivery of all closing packages. Objective is to deliver complete closing packages within 8 hours of scheduled closing date to meet customer expectation. Keeping management informed of relevant matters.

• Have thorough knowledge and background in the following areas Conventional and government mortgage closing process and ability to keep self educated in other mortgage lending guidelines and requirements used in combination with loan types. Fiserv Unifi loan origination system, particularly relating to the closing process and delivery functions.
  
  Home Mortgage Disclosure Act and Real Estate Settlement Procedures Act requirements and assure that data is reported correctly and accurately to avoid penalties. State and Federal laws in relation to mortgage loan closings.

QualificationsQualifications:
Education

High School Diploma or equivalent experience. (Required)

Experience
3 or more years Mortgage banking and closing. (Required)

EEO Statement Fulton Financial Corporation ("Fulton") is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.