Loan Closer II

Job Description

A client of Insight Global is seeking a Mortgage Loan Closer II who is responsible for all closing packages. They must comply with Federal, State, Investor, Secondary, and company guideline and regulations.

• Reviews loan approval, rate lock, appraisal, title work, insurance, flood certificate, survey, and payoffs for validity
• Fast-paced closing environment - needs to be adaptable and organized
• Verifies county recording fees
• Reconciles source documents to data contained within LOS
• Prepares closing disclosures for management and borrower review
• Sends and tracks specific documents electronically to borrowers based on TRID timing rules
• Communicates with the borrower and/or Closing Agent to set expectations for closing and confirm important details
• Coordinates closing date and time with all applicable parties
• Orders closing packages from doc prep attorneys specific to loan type
• Reviews documents for accuracy
• Balances Closing Disclosure (CD) with the title company and issue approval
• Delivers closing documents to title company via secure methods
• Ensures all closing and funding conditions are satisfied
• Reviews executed documents for completeness and accuracy
• Requests and prepares wires
• Issues funding authorization
• Maintains real-time loan status within LOS
• Communicates details with borrowers, title companies, vendors, and internal staff throughout the process
• Assists with investor conditions and post-closing functions
• Ensures customer privacy, security of files, and appropriate staff access
• Assists Closing Manager in identifying process improvement needs and providing support to the training team to develop any necessary training required for such improvement (s)
• Mentors individual closers for questions and/or assistance they may require for loans, systems, or process-related items. Assists with escalations, priority requests, and staging needs.
• Trains new Closers
• Functions as a team lead
• Performs other related duties as assigned

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances.

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• 3 years of direct mortgage loan closing experience
• Proficient with Encompass, or similar loan operating system, and running a desktop underwriting program
• Strong attention to detail and possess good math skills
• Excellent communication skills; must be professional, courteous, and confident
• Strong working knowledge of FNMA, FHA, VA, DPA, USDA guidelines
• Thorough understanding of mortgage terminology like DTI, LTV, and PITI
• Understanding of real estate lending practices including federal and state regulations
• Ability to work in a fast-paced environment while maintaining outstanding customer service
• Team Player with effective time management and organizational skills
  • Bilingual (Spanish/English)

• Notary commission by the states of Texas and Oklahoma