Mortgage Loan Closer

Overview

About the Organization We are people serving people. Established in 1849, Ives Bank is a full-service community bank rooted in history and positioned for the future. We provide a full array of deposit, savings, and lending services for individuals and businesses. Through modern banking technology, our customers can access to their accounts and manage their money anytime, on the go. We are committed to employing highly-motivated people who value customer care, professionalism, and team success.

EOE Statement Ives Bank is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

Mortgage Loan Closer

Full-Time/Part-Time Full-Time

The Mortgage Loan Closer is responsible for the day to day pipeline management and closing of all residential mortgage loans, ensuring timely receipt of the packages back from the closing table and shipment of files to investors. This position does require daily interaction with the Compliance Dept., Attorneys, closing agent employees and customers, and reports to the Department Manager.

• Review all supplied information and accurately complete mortgage loan closing packages, including programs such as FHA, VA, USDA and those including grant funds.
• Pay all FHA premiums within 10 days of closing. Upload funding packages within 48 hours of performing post closing review.
• Manage closing and clear to close pipelines.
• Submit accurate closing packages to attorneys at least 24 hours in advance.
• Consistently utilize all portions of the Closing Compliance and File Audit Checklist during each step of the closing/funding process.
• Communicate effectively with attorneys, borrowers, and co-workers in a professional and positive manner.
• Review closing disclosures and all legal documents (prior to closing and post closing) to certify proper lien position, compliance and investor requirements; gather missing documentation and ensure packages are complete and well documented.
• Order wires on closing transactions daily so funds reach the closing agent on the day of closing.
• Review all signed funding documents from the closing agent and confirm all "at closing" conditions on the final loan approval have been met prior to issuing funding.
• Complete all past close closing to board loans to servicing by the 15th of the month for the previous month.
• Prepare training documentation of all closing functions and serve as a resource to Closers within the department.

Educational and experience requirements include:

• High School Diploma or GED
• 3 years of Residential Mortgage Loan Closing experience
• Proficient understanding of rules/regulations related to the creation of required closing disclosures such as the Loan Estimate, Closing Disclosure, Notes, Deeds and Assignments.
• Strong interpersonal, verbal communication and listening skills as well as critical thinking abilities
• Skilled use of Outlook, Word, Excel and Encompass

Physical Demands and Work Environment:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Hours Per Week:
None Specified

This position is currently accepting applications.

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