Mortgage Loan Closer Job Description Sample

Job Summary

The Closer is an intermediate-level position within the Company. Closer is responsible for reviewing documents and accurate data entry of the information provided in order to create and deliver the initial Closing Disclosure and closing documents within designated time frames.

Summary of Role and Responsibilities

• Reviews documentation required to generate deliver and confirm receipt of the initial Closing Disclosure to the applicant within the required time frames and within the process and procedures of the organization.

• Communicates (e.g., email, telephone, etc.) with clients as needed to resolve discrepancies that may arise with the Closing Disclosure

• Verifies information from the preliminary Closing Disclosure into LOS system and then prepares closing package paying close attention to detail

• Approves final Closing Disclosure making sure all requirements are met before closing package is approved for signing (i.e., cash to close, minimum investment, and fee changes that would cause a cure, etc.)

• Works with Processing/CD Specialist on errors found in the proprietary system prior to sending out closing package

• Serves a point of contact for all complex closing questions

• Special projects, as assigned

Minimum Knowledge, Skills and Abilities

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

• Advanced customer service skills

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

• Ability to positively project the Company and department

Minimum Education Requirements

• High school diploma or equivalent

Experience

• Two + years previous experience in a similar role

Preferred Education, Knowledge, Skills and Abilities

• Associates degree in business or higher education

• Three + years previous experience in a similar role

Work Environment

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

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.

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.
35271BR

Position Summary

Responsible for closing of all secondary and in-house mortgage loans

Pay range for this hourly position is $17.90 - $26.85 with a progressive benefits package.

Essential Duties and Responsibilities

Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change.

Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision. Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival.

Consistent usage of the members name during contact and always thanking them for their business. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities. Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events on an annual basis.

Ensures confidentiality of member information. Builds and maintains relationships in the real estate community, which includes but is not limited to realtors, attorneys, abstractors, and insurance companies. Fields and returns phone calls from the mortgage group line and returns phone calls/emails from borrowers regarding their mortgage loan.

Schedules closings with members and all other involved parties in the absence of the MLO or Mortgage Associate. Orders final inspections, flood determinations when necessary, verification of employment, verification of mortgage or rents and other documents necessary to support the loan application and ensure complete documentation of the loan file. Orders the necessary title work through abstract/title companies and attorney's office.

This would include but is not limited to (abstract update, 900/901 searches, buyer's searches and day of closing searches). Reviews and verifies title work is clear to close and works with all parties involved to clear title objections. Orders and reviews both the compliance report and fraud report for accuracy and discrepancies and makes any necessary corrections. Submits file information to automated underwriting system when necessary and verifies accuracy of the findings.

Organizes documents in appropriate order in the LOS system and submits final applications to underwriting for approval when necessary. . Follows up on any prior to docs and closing conditions for secondary market and in-house loans. Verifies accuracy of homeowners insurance and flood insurance if applicable (personal and association) and requests mortgagee clause change prior to closing.

Requests closing numbers and all transfer documentation from closing agents, realtors, and attorneys in order to prepare closing documents.

Works closely with all attorneys and realtor companies to obtain this information. Sends and monitors the closing disclosure to verify the closing disclosure has been sent at least 3 days in advance of closing. Will notify MLO/Associate if CD is not viewed 3 days prior to closing.

Responsible for re-disclosing any additional fees, changes on rates and terms, etc. after the initial CD has gone out and there are changes to be made. Prepares closing documents and closing disclosure statement. Verifies all fees and invoices have been collected.

Issues all checks and posts general ledger entries for those invoices and fees. Overnights and/or wires payoffs and proceeds as requested on all purchase transactions. Verifies the accuracy of the closing documents to ensure the address, legal description, initial escrow disclosure, etc. is correct.

Organizes documents in LOS system to be sent to post closing department in a timely manner to ensure prompt delivery to investors and prompt recording of the mortgages. Ensures accuracy of Warranty Deed, Ground Water Hazard Statement, Declaration of Value, Mortgage and any additional documents that are to be recorded prior to closing Resolves any secondary market suspensions or deficiencies and follows-up on any missing documentation in mortgage file in a timely manner. Assists in year-end verification of HMDA reporting and 1098/1099 statements.

Assists in all other necessary mortgage duties and projects when needed. Adheres to all state, federal and credit union regulations, policies and guidelines. Job Requirements/Expectations Reports to work punctually, works all scheduled hours, and works overtime as necessitated by business demand.

Interpersonal skills to represent the Credit Union in a positive way during member contact. Interpersonal skills necessary to gather data from a number of sources and to represent positively the Credit Union during such contacts. Ability to provide quality service to members by phone or in person or by email.

Ability to develop and maintain effective working relationships with co-workers. Ability to prioritize assignments and organize work efficiently, to handle large volumes of details. Ability to operate related computer applications, on-line terminal and other standard office equipment such as a calculator and typewriter.

Accuracy and attention to detail required. Lending policies and Real Estate knowledge helpful. High school diploma or equivalent (i.e.

GED) with a minimum of one year previous related work experience. Must be bondable. Reporting RelationshipReports to Mortgage Sales and Loan Support Supervisor Supervisory ResponsibilitiesThis position is not responsible for the supervision of other employees.

Equal Opportunity Employment StatementGreenState Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Objective

Mortgage Closers assemble documents pertaining to a loan, process the paperwork associated with the loan, and ensure that all information is complete and verified within the current regulations. Mortgage loans are the primary type of loan handled by Mortgage Closer. Loan closers complete the loan process by gathering the proper documents for signature at the closing, including deeds of trust, property insurance papers, and title commitments. They set the time and place for the closing, make sure that all parties are present, and ensure that all conditions for settlement have been met. When necessary, they answer calls from customers with routine inquiries.

Firstrust Bank is an Affirmative Action Contractor and is an Equal Opportunity Employer.

Minority/Female/Disabled/Veteran

Responsibilities/Duties

• Reviews mortgage loans for proper documentation after they have been set up by the loan processor.

• Reviews and analyzes loan Underwriting data sheets, commitment letters, and approvals for consistency and accuracy.

• Verifies that all required documentation is received.

• Reviews documentation for proper execution, completeness, accuracy, and compliance with bank policies and regulations.

• Ensures that documentation is in compliance with credit approvals.

• Accurately prepares bank's standard loan documents and checklists for Title companies.

• Assigns account numbers.

• Reviews and analyzes: property and flood searches, and all other documentation, as submitted by the Mortgage loan officers in order to properly prepare mortgage documentation as requested by the Loan officer.

• Communicates with lending officers to verify the terms of the loan and to ensure documentation compliance with bank requirements and regulations.

• Uses the Mortgage Pro System to accurately prepare requested Mortgage loan documentation in a timely manner.

• Keeps abreast of changes in procedure, policy, systems and documents in order to prepare/review loan documentation packages correctly and efficiently.

• Maintains a working knowledge of bank loan policy and documentation guidelines.

• Interacts with loan officers to answer questions regarding commercial loan documentation.

• Performs additional duties as assigned by the VP of Mortgage Operations.

• Assists with other duties in the department as time allots.

Essential Functions

• Reviews and prepares bank's mortgage loan documentation to ensure it is in compliance with bank policies and state and federal regulations.

• Good communication skills, average keyboard skills, working knowledge/experience on personal computer.

• Ability to make judgments and decisions, analyze information and learn quickly. Ability to complete assignments without close supervision.

• Detail-oriented, must be able to carry files.

Knowledge - Skills & Abilities

• At least 2-5 years experience in the field.

• High School Graduate or equivalent required (college a plus).

• Experience working with loan documentation in a banking environment strongly preferred.

• Proficiency in the Microsoft Office (Word, Excel and Outlook)

The Loan closer prepares the closing disclosure and closing documents for residential lending in accordance with secondary market requirements and the bank's established goals and standards. Prospects should be fully competent in closing conventional, government, and custom loans to include being knowledgeable with closing regulations and requirements.

Essential Functions

• Checks documentation of the approved loan file to ensure that the investor, insurers, and bank qualifications are met

• Keeps informed of any changes in government regulations concerning residential lending.

• Keeps all involved parties informed during closing and answers questions regarding the transaction

• Provides assistance/training to processors and less experienced closers and may be asked to provide occasional technical assistance that is job specific

• May assist walk-in customers and answer phone inquiries by providing information regarding residential loans and bank services

• Responsible for maintaining accurate and orderly files

• Reconciles the closing disclosure and explains figures and charges to appropriate parties

• Responsible for reviewing complex loan file and determining and preparing required documentation for specific loan types, condition and investors

• Updates Loan Origination System for accuracy of loan fees and closing documents

• Orders closing disclosure from escrow and reviews with closing documents for accuracy and completeness in accordance with investor and bank guidelines

• Has a clear understanding of TILA/RESPA guidelines

• Provides solutions/alternatives for documentation issues

• Provides high quality customer service to all internal and external partners, researching and resolving routine issues

• Performs general correspondence and administrative duties as requested by department manager

Requirements

• Has working knowledge of mortgage lending, government regulations and secondary market standards with 4-7 years of mortgage lending experience

• High level of comprehension of TRID, investor, insurer, regulatory, and bank requirements

• Strong interpersonal skills to maintain excellent relationship with management, staff and team members, using diplomacy and tact effectively to solve problems, gather data from multiple sources and ensure customer satisfaction

• Ability to efficiently operate calculators, word processing, using the internet and Microsoft Office Suite including Word, Excel and Outlook as well as department specific software

• Outstanding written and verbal communication skills, including extensive knowledge of spelling, punctuation and grammar

• Ability to maintain confidentiality of sensitive issues and information

• Ability to multi-task effectively, prioritizing multiple projects in a fast-paced environment while maintaining professional demeanor

• Superior time management and organizational skills; ability to coordinat

The Position of Mortgage Loan Closer is responsible for performing duties related to the closing of conventional mortgage loans in preparation for sale of the secondary market. Loans are closed in a way to ensure compliance with Bank policies and procedures, Agency/Investor guidelines and State and Federal regulations.

ESSENTIAL FUNCTIONS

• Communicates with the processors to ensure that all closing conditions are met prior to closing the loan

• Inputs closing data into the loan processing system and verifies accuracy of data previously entered

• Assembles and verifies the accuracy and completion of loan documents necessary for closing

• Confirms lock-in commitment information is accurate and up to date prior to closing

• Approves settlement statement prior to closing for accuracy and verification that all appropriate fees are being collected

• Verifies Title Binder is accurate prior to closing

• Prepares checks and GL tickets for the distribution of loan proceeds in accordance with policy and procedures

• Prepares Loan Disbursement Report twice monthly

• Answers routine questions regarding the mortgage loan closing process

• Has knowledge of state and federal banking compliance regulations

• Completes annual compliance courses.

ADDITIONAL RESPONSIBILITIES

• Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws including the Bank Secrecy Act.

• Performs additional duties and responsibilities as directed.

GENERAL QUALIFICATIONS

Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

High school diploma or general education degree (GED); or the equivalent combination of education and experience. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.

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.

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.
35428BR

WSFS is currently seeking a Mortgage Loan Closer for our WSFS Mortgage division. The Mortgage Loan Closer will prepare and review critical closing documents for mortgage home loans and will be responsible for working closely with title companies to ensure all policies and procedures are maintained. The incumbent will work closely with the Loan Processors to ensure accuracy of documents and submissions. The incumbent will be focusing on mortgage assignment creation, including but not limited to creating assignments, title searches, and understanding chain of title and vesting. The incumbent will be responsible for meeting strict closing deadlines. Qualified candidates must be able to work under aggressive time constraints and have a proven track record of dependability and attendance.

This is a full-time position working 40 hours per week, Monday through Friday 9:00 am- 6:00 pm in Wayne, PA.

Minimum Qualifications:

• Associate's Degree or equivalent work experience is required.

• Bachelor's degree is strongly preferred.

• Previous mortgage processing or closing experience is preferred.

• Must have previous customer service experience.

• Knowledge of federal and state regulatory requirements is strongly preferred.

• Must have a proven track record of dependability and the ability to multi-task and work in a fast-paced environment.

• Must have strong verbal and written communication skills.

• Must be proficient in using Windows and Microsoft Office products.

• Must be able to work in a deadline driven environment

Physical Demands: The physical demands described below must be met by an Associate to successfully perform the essential functions of this job.

• Incumbent will be required to stand for intermittent periods of time.

• Incumbent may be required to sit for prolonged periods of time.

• Dexterity is mandatory as this job requires frequent use of hands and fingers.

• The incumbent will be required to walk, reach with hands and arms, push items overhead, occasionally climb or balance, stoop, kneel, crouch or crawl.

• The incumbent will also be required to talk, hear, see, read and write.

• This position requires regular lifting and moving of 10-25 lbs.

• Specific vision abilities required by this job include close vision, distance vision, depth perception and ability to adjust focus.

Cognitive Demands: The cognitive demands described below must be met by an Associate to successfully perform the essential functions of the job.

• This position requires adaptability, assessing, analyzing, calculating, dependability, memorizing, good judgment, stress control, prioritization, social skills and speaking.

• This position requires comprehension, organization, reasoning and decision-making, communication and mathematical ability.

• Incumbent must possess the capability to understand, remember, and apply oral and/or written instructions or other information, organize thoughts and ideas into understandable terminology, prioritization of own work schedule, apply common sense in performing job duties and making decisions which have impact on immediate work unit.

• Incumbent must be able to understand and follow basic instructions and guidelines, complete routine paperwork, use existing form letter and/or conduct routine oral communication, communicate with individuals using a telephone, hear and speak effectively on the telephone, express or exchange ideas by means of spoken word, communicate orally with others accurately and quickly, at an audible level that others can hear.

• Incumbent must also have the ability to count accurately and the ability to add, subtract, multiply, divide and record, balance and check results for accuracy.

EOE/Minorities/Females/Disability/Vet/Drug-Free Workplace

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Job Function / Summary:

Closes all mortgage loans for secondary and in-house portfolio products by performing the following duties.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Reviews application/Loan approval for completeness, accuracy and proper approval

• Reviews approved mortgage loan to determine conditions that must be met prior to closing, such as purchase of private mortgage insurance.

• Calls borrower, real estate broker, and title company to request specified documents, such as receipt for payment of outstanding tax bill.

• Coordinates with outside attorney, vendor, etc. to obtain documents based on conditions of loan approval and type of financing

• Assembles package of Mortgage documents and supporting documents received

• Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms

• Evaluates package and communicates any issues to loan originator and/or processor that impacts loan closing

• Assists in correction of issues impacting closing

• Identifies legal, policy and documentation deficiencies and determines method to be used to correct deficiencies

• Enters numbers and calculates loan interest and principal payment, and closing costs

• Assembles documents for delivery to title company, real estate broker, lending officer and/or attorney for closing

• Delivers ready-to-close package to attorney by electronic delivery through computer system

• Calls borrower, broker, and other specified individuals to arrange time and date for closing

• Assists attorney with any questions regarding conditions of loan closing

• Answers questions from borrower, originator, etc. regarding closing requirements

• Evaluates documentation on various escrowed items to determine compliance with company policies and procedures

• Calculates final figures for HUD settlement statement and instructs attorney accordingly paying close attention to final HUD figures

• Records loan information in log and on government reporting forms

• Compiles closed loan forms for delivery to Mortgage Post Closers for sale to investors

Secondary Duties

• Assist Post Closing Department in audit process and shipping of closed loan files

• Back up front desk if Mortgage Support Specialist is out

• Assist Post Closing in scanning and retrieval of recorded final documents

Supervisory Responsibilities

This job has no supervisory responsibilities.

Minimum Required Education and/or Experience:

• High school diploma or general education degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:

• Ability to work under stress and meet deadlines

• Ability to operate related equipment to perform the essential job functions

• Ability to read and interpret a document if required to perform the essential job functions

• Ability to travel if required to perform the essential job functions

• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

DISCLAIMER

This job description is only valid as of the date it was revised. Please contact the HR Compensation Department to obtain the latest version. Information contained herein should be treated as confidential to Hancock Holding Company.

NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THE JOB AT ANY TIME

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.