Senior Mortgage Loan Closer - Team Lead

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered  team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

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As a Team Lead in the Consumer Lending Closing Department, your primary responsibilities encompass monitoring loan closing activities to ensure accuracy, compliance, and timely disbursement of funds. This role will assist Consumer Loan Closers as needed and be a point person for outstanding issues/concerns/escalations with pipeline activities. As an experienced lending professional you will be recognized as a subject matter expert on closing and disbursement activities and champion Consumer Loan Closers through mentoring/coaching.

At CIBC we enable the work environment most optimal for you to thrive in your role. You will have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 2-3 days per week on-site, while other days will be remote.

• Comprehensive Analysis:
  Work closely with our Bankers, Loan Processors, Underwriters, and Post Closers to ensure a timely and accurate experience for our customers.
• High-Quality Decision-Making:
  Responsible for ensuring all pre-close file documentation is complete, accurate, verified, and closing dates are met.
• Effective Risk Assessment:
  Ensure processes align with the bank’s guidelines, risk appetite, policies, standards, and consumer laws and regulation requirements while providing sound judgment.
• Strong Written Communication:
  Craft detailed communication that clearly present rationale, assessment, and evaluation results.
• Collaboration & Stakeholder Engagement:
  Work closely with Bankers, Loan Processors, Disclosure Team, Underwriters, Closers, Post Closers, Group Portfolio Managers, and Senior Management to ensure seamless loan/line closing activities.
• Market Awareness & Compliance:
  Stay updated on market conditions, industry regulations, investor guidelines, and consumer lending laws to maintain compliance and adapt to evolving enhancements.
• Community Involvement:
  Complete at least five community outreach volunteer hours annually, contributing to the bank’s commitment to community development.

• Experienced in Lending:
  You have at least 10 years retail lending experience with focus on portfolio real estate secured and other consumer lending products including grant programs. Strong expertise in working with high-net-worth clients as well as closing agents across the US footprint.
• Skilled in Financial Analysis:
  Review and analyze title settlement statements to ensure accuracy and compliance with regulatory requirements. Examine pre-disclosure documents for completeness, accuracy, and adherence to lending guidelines. Validate all terms and fees disclosed to borrowers. Assess title commitment documents to confirm clear title and identify any exceptions or requirements needing resolution prior to closing. Oversee the funding process, validating wire instructions, approval of fees, and disbursement accuracy.
• Detail-Oriented & Organized:
  You thrive in fast-paced, deadline-driven environments, effectively managing multiple tasks while maintaining accuracy.
• Effective Communicator:
  You excel at verbal and written communication, clearly presenting information to stakeholders, including assisting with procedural/job aid updates, and presentation materials for training. This includes supporting department special projects and/or testing initiatives.
• Technology-Proficient:
  You have working knowledge of industry tools and systems like Encompass, Meridian Link Consumer, Super Nova, MS Office (Excel, Word, PowerPoint, Teams, Outlook) products, and FIS/IBS.
• Regulatory Knowledge:
  You have a strong understanding of federal and state lending regulations, ensuring compliance with consumer protection laws.
• Customer-Focused & Collaborative:
  You build strong relationships with internal partners, providing exceptional…