Mortgage Loan Closer

The Retail Lending Closer supports consumer and mortgage loan closings by preparing, reviewing, and coordinating all required closing documentation within Encompass
. This role ensures accuracy, regulatory compliance, and completion of due diligence requirements while partnering closely with lending, underwriting, and settlement teams to support timely and compliant loan closings.

• Prepare, review, and coordinate consumer and mortgage loan closing documentation using Encompass
  , ensuring accuracy, completeness, and compliance.
• Review loan approvals, supporting documentation, and system data to confirm regulatory requirements (including TRID) and due diligence standards are met prior to closing.
• Prepare and distribute required disclosures and closing documents in accordance with internal policy, regulatory, and investor guidelines.
• Send closing instructions and review settlement statements to ensure accuracy and adherence to guidelines.
• Partner with lending staff and third parties to identify, communicate, and resolve documentation deficiencies ahead of scheduled closings.
• Verify underwriting and funding conditions are satisfied and approved prior to closing.
• Obtain and validate required documentation to support closing and fund disbursement.
• Maintain clear, timely communication with internal teams and external partners throughout the closing lifecycle.
• Build working knowledge of assigned consumer and mortgage products, origination systems, and applicable laws and procedures.

• Mortgage & Consumer Lending Operations
• Encompass LOS – Loan Closing & Document Management
• Closing Documentation & Disclosures
• Regulatory & Compliance Awareness (TRID, consumer lending standards)
• Cross-functional Collaboration
• Attention to Detail & Accuracy

• 1–2+ years of hands‑on mortgage closing experience using Encompass LOS (required)
• Strong organizational skills with high attention to detail.
• Excellent written, verbal, and customer service communication skills.
• Proficiency with computer systems and loan-related software; mortgage industry platforms preferred.
• Basic mathematical and calculation skills to ensure accuracy in financial documentation.

• Strong problem‑solving skills with the ability to evaluate multiple solutions.
• Adaptability and willingness to learn new systems, products, and processes.

• Supports recurring operational tasks and medium‑term deliverables.
• Applies standardized rules, procedures, and operational guidelines.
• Exercises limited judgment related to administrative and process-driven decisions.
• Issues encountered are generally routine in nature.

• Operates within clearly defined guidelines and procedures.
• Interacts with internal teams and external partners to exchange and clarify information.
• Influence is limited to individual contribution within the loan closing process.