Mortgage Loan Closer

About This Role

This role ensures a seamless and compliant mortgage closing process by performing thorough pre-funding audits and preparing all required closing documents with precision. The closer collaborates closely with cross-functional teams to resolve issues and maintain detailed records for audit standards and process improvements.

Responsibilities

• Conduct a comprehensive pre-funding audit of mortgage and home equity files to ensure data accuracy, complete documentation, and compliance with investor, regulatory, and credit union policies
• Collaborate with the Closing Agent, Attorney, or branch to schedule closings, confirming all necessary pre-closing documents are in place
• Generate the pre-Closing Disclosure and ensure it is delivered to the member via mail or electronically to meet regulatory requirements
• Inform the closing attorney that the first mortgage is cleared to close and request essential documents, including the closing date, title report, payoff, and tax information
• Prepare and deliver the closing documents to the appropriate Closing Agent, Attorney, or branch
• Order the LQCC report as needed, obtain member feedback when credit report changes occur, and perform a verbal employment verification prior to loan closing
• Execute the investor quality control check by validating loan data against underwriting data and addressing any errors
• Collaborate with underwriting, processing and origination teams to resolve escalated issues and ensure timely closings
• Submit the Uniform Closing Dataset (UCD) to the investor as mandated, reviewing and resolving any feedback-related errors
• Support post-closing quality control by identifying and addressing documentation or compliance issues that arise after funding

Requirements

• 2-4 years of experience in mortgage closing or related roles
• Strong understanding of closing procedures, loan documentation, and regulatory compliance
• Skilled in preparing and reviewing closing documents
• Proficiency in mortgage software systems
• Exceptional attention to detail
• Time management and organizational skills
• Effective communication and collaboration

Qualifications

• High School Diploma or Equivalent Required
• 2-4 years of experience in mortgage closing or related roles with strong understanding of closing procedures, loan documentation, and regulatory compliance.

Nice to Have

• 4-7 years of experience in mortgage closing, including handling complex loan types (construction, portfolio, multi-disbursement)
• Demonstrated expertise in investor and regulatory closing guidelines
• Experience mentoring junior closers and leading quality control efforts
• Proven ability to manage high-volume pipelines
• Experience supporting post-closing issue resolution and contributing to process improvements

Benefits