Mortgage Loan Closer​/Post Closer Sr

Mortgage Loan Closer/Post Closer Sr.

• Assemble, prepare, and verify closing and funding documents for real estate and equity loan transactions, ensuring all terms and conditions are satisfied prior to funding.
• Coordinate and schedule loan closings with members, title companies, loan officers, processors, and real estate agents; communicate all closing details clearly and accurately to involved parties.
• Perform a thorough pre‑closing review of loan files to confirm documentation, underwriting conditions, and compliance requirements are met; return files to processors for correction as needed.
• Review approved loans to ensure all conditions required prior to, at, and after closing are complete and documented.
• Review and approve closing statements (CD/HUD) and final loan documents in coordination with title companies, ensuring accuracy and regulatory compliance.
• Execute and validate funding and disbursement activities for first mortgages, second mortgages, and equity/HELOC loans, including payoff processing and member proceeds.
• Prepare, review, and release wires with a high level of accuracy, ensuring wire instructions are validated, approved, and documented in accordance with Credit Union wire controls and funding procedures.
• Confirm closings with all parties on the day of closing and serve as a knowledgeable point of contact for closing‑related questions.
• Maintain original collateral in a secure location and track receipt of recorded documents, final title policies, and trailing documentation.
• Board loans with the sub‑servicer on the day of funding and verify all executed documents are accurately indexed within the loan origination and imaging systems.
• Manage post‑closing reviews for all loan types to ensure document completeness, accuracy, and compliance with Federal, State, agency, and investor requirements.
• Obtain and clear investor suspense conditions and coordinate loan delivery and sale activities.
• Complete post‑funding insurance activities, including MI and government loan requirements.
• Complete mortgage and equity loan funding, including equity/HELOC disbursements and preparation, review, and release of wire transfers in accordance with established controls and procedures.
• Provide leadership, guidance, and training support to lower‑level closers/post closers and assist adjacent departments as needed.
• Follow all funding, compliance, and quality standards established by Westerra Credit Union.
• Perform other duties as assigned.

No

• Associate degree or equivalent in experience
• 5 year of mortgage closing experience required
• 5+ years of real estate industry experience preferred
• Complex loan closings including but not limited to Trusts, POA, etc
• Knowledge of RESPA, TILA, HMDA, Regulation B and Regulation Z requirements
• Working knowledge of mortgage lending and consumer loans desired

• Excellent verbal and written communication skills
• Strong member service focus
• High attention to detail with strong organizational and time‑management skills
• Strong math, analytical, and problem‑solving abilities
• Ability to prioritize workload and meet firm deadlines
• Proficient in Microsoft Office and mortgage‑related software
• Ability to learn quickly and apply on‑the‑job knowledge
• Maintains a high level of confidentiality
• Uses sound judgment within established procedures; understands and follows standard closing and post‑closing processes
• Willingness to work varying hours and overtime as business needs require

• Hybrid:
  Typically, a dispersed, flexible team environment both onsite (at least 2x/week) and remote. Employees must reside in Colorado or be willing to relocate prior to starting employment. Residency is required for payroll and state tax purposes.
• Office environment
• Works primarily at a desk
• Ability to lift 25 pounds

Starting hourly rate of $21.72–$27 with a monthly incentive. Eligible for Westerra’s self‑funding reward plan.

• Three health plans through UMR that offer a variety of coverage options, including HSA and FSA options
• Two dental plans through Delta Dental
• Basic life and AD&D insurance, short‑term disability and long‑term disability
• 20+ days of paid time off (PTO) per year
• Anniversary time off that consists of 1+ days of paid leave for each anniversary year (PLAY)
• 16 hours of volunteer time off (VTO) per year
• 11+ paid holidays
• 401(k) that includes up to 6% match
• Up to 2% off the rate on a new Westerra mortgage, applicable to primary residence, second home, or investment property
• 2% off Auto/RV/Motorcycle Loans
• Up to $5250 per year for educational reimbursement
• 4 weeks of paid parental leave
• Mental health resources including an Employee Assistance Program (EAP)
• Individualized learning and development programs