Mortgage Closing Senior Specialist

Description

This role is a dedicated Private Bank closing resource for West Coast clients, Relationship Managers, and Lending Support. The Senior Mortgage Closing Specialist is accountable for moving complex residential loans from clear-to-close through funding with accuracy, urgency, and strong judgment. The work requires more than standard closing production: the right candidate can manage sensitive timelines, complex client profiles, and multiple third parties while protecting the bank’s regulatory, documentation, and funding standards.

• Clients and internal partners receive clear, proactive updates before issues become delays.
• Closing packages, disclosures, fees, wires, funding conditions, and settlement details are accurate the first time.
• Private Bank relationship teams can rely on the closer to own the details, elevate cleanly, and preserve the client experience through closing and funding.
• The role improves execution quality while reducing avoidable rework, missed closing dates, and late-stage surprises.

• Manage the closing process for Private Bank residential loans from final approval through funding authorization and post‑closing handoff.
• Prepare and review Closing Disclosures, closing packages, funding documents, and related documentation across portfolio mortgage, HELOC, HELOAN, CEMA, co‑op, and other applicable residential products.
• Review files for completeness, accuracy, closing conditions, fee accuracy, loan terms, rate, product, title, escrow, insurance, and settlement requirements before documents are released.
• Coordinate directly with title companies, escrow agents, attorneys, internal lending teams, relationship managers, processors, underwriters, and borrowers as appropriate.
• Own West Coast closing coverage, including time‑sensitive same‑day issue resolution tied to California and other West Coast escrow and funding timelines.
• Apply TRID requirements, including Closing Disclosure timing, valid changed circumstances, fee tolerance, cure prevention, and borrower acknowledgement requirements.
• Reconcile wires and settlement figures with the settlement agent before funding; confirm all required funding documentation is received before funding authorization is issued.
• Identify, document, and elevate closing risks early, including title issues, settlement discrepancies, missing documentation, disclosure timing risk, client availability, entity/trust questions, and attorney‑driven requirements.
• Communicate with precision and discretion; keep clients and internal partners informed without creating noise or unnecessary escalation.
• Maintain daily pipeline discipline and actively manage priorities based on closing date, client sensitivity, complexity, readiness, and funding risk.
• Meet established production, quality, compliance, and service standards, with an expectation of high accuracy and strong follow‑through.
• Contribute to process improvement by identifying recurring closing friction points and recommending practical fixes that improve speed, quality, or client experience.

• High‑net‑worth client profiles where income, liquidity, assets, ownership structure, or transaction timing may require judgment and coordination beyond standard retail mortgage closing workflows.
• Transactions involving trusts, entities, multiple properties, non‑standard vesting, attorney involvement, escrow‑specific requirements, or tightly coordinated purchase timelines.
• Clients and advisors who expect responsiveness, accuracy, discretion, and concise communication at every stage of closing.
• Complex dependencies across underwriting, product, pricing, title, escrow, legal, relationship teams, and client schedules.

• Mortgage closing expertise:
  Strong command of residential closing mechanics, documentation, settlement, disclosure timing, funding conditions, and title/escrow coordination.
• Regulatory discipline:
  Working knowledge of TRID, fee tolerance, valid changed circumstances, Closing Disclosure timing, and cure prevention.
• Private Bank service judgment:
  Ability to support sophisticated clients and advisors with…