Loan Closer

Mortgage Closing Representative

Location: Elmwood Park, New Jersey

Hours: 8:30 AM - 5:00 PM

Type: Temp-to-Permanent | Immediate Need

About the Role

We are seeking an experienced Mortgage Closing Representative to join our client's Home Finance team. This position is responsible for preparing closing packages and completing the procedures necessary to close and fund residential mortgage loans in accordance with Bank and investor requirements.

The Mortgage Closing Representative will coordinate first mortgage, home equity, and mortgage modification closings, working closely with borrowers, attorneys, closing agents, processors, underwriters, and internal lending and accounting teams.

This is a deadline-driven opportunity requiring exceptional attention to detail, organization, communication skills, and knowledge of mortgage closing regulations.

Key Responsibilities

• Prepare and coordinate residential mortgage, home equity, and modification closings.

• Coordinate with processing, underwriting, and borrowers to obtain outstanding closing conditions, insurance policies, certifications, and required documentation.

• Review loan files to ensure required fees have been received and properly deposited.

• Work with Bank review attorneys and closing agents/attorneys to clear loans for closing and schedule closing dates.

• Monitor rate locks, credit documents, commitment expiration dates, and other critical deadlines.

• Prepare calculations and coordinate first mortgage modification closings.

• Prepare and email final closing packages, including Bank-specific documentation, to closing agents.

• Coordinate loan funding with Loan Administration and Accounting.

• Track completed loans and upload closing information into the Bank's loan servicing system.

• Ensure loan closings comply with Bank and investor policies and applicable regulatory requirements.

• Maintain strict confidentiality when handling non-public personal and financial information.

• Support departmental lending volume and other Home Finance initiatives as assigned.

• Work overtime as needed during periods of high loan volume.

Qualifications

• High School Diploma required; college degree preferred.

• Minimum 2 years of mortgage closing or legal closing experience required.

• Previous mortgage banking experience strongly preferred.

• Experience with residential mortgage, home equity, and/or mortgage modification closings preferred.

• Working knowledge of mortgage regulations, including:

• TILA-RESPA Integrated Disclosure (TRID)

• Fair Housing Act (FHA)

• Equal Credit Opportunity Act (ECOA)

• Home Mortgage Disclosure Act (HMDA)

• Community Reinvestment Act (CRA)

• Dodd-Frank Act requirements

• Previous lending, mortgage processing, underwriting, or paralegal experience is a plus.

• Proficiency with loan origination systems, Microsoft Word, and Excel.

• Familiarity with MortgagebotLOS is a plus.

• Commercial and investment property lending experience is a plus.

What We're Looking For

The successful candidate will be:

• Highly organized and detail-oriented.

• Analytical with strong numerical skills.

• Accurate with data entry and documentation.

• Comfortable managing multiple priorities and time-sensitive deadlines.

• Able to adapt quickly to changing priorities and fluctuating loan volume.

• Professional, cooperative, and customer-focused.

• An effective written and verbal communicator.

• Calm and courteous when working under tight closing deadlines.

• Committed to maintaining the highest standards of confidentiality and information security.

To Apply

For immediate consideration, please email your resume to:

christine.kiernan@lhh.com

Benefits

Benefit offerings include:

• Medical insurance

• Dental insurance

• Vision insurance

• Life insurance

• Short-term disability

• Additional voluntary benefits

• Employee Assistance Program (EAP)

• Commuter benefits

• 401(k) plan

Our benefits program provides employees with the flexibility to choose the type of coverage that meets their individual needs. Available paid leave may include Paid Sick Leave, where required by law; any other paid leave required by federal, state, or local law; and holiday pay upon meeting eligibility criteria.

Equal Opportunity Employer/Veterans/Disabled

To read our Candidate Privacy Information Statement, which explains how we will use your information, please visit LHH Candidate Privacy Information Statement.

The Company will consider qualified applicants with arrest and conviction records in accordance with federal, state, and local laws and/or security clearance requirements.

Pay Details: $49,000.00 to $62,000.00 per year

Search managed by: Christine Senn

Benefit offerings available for our associates include medical, dental, vision, life insurance, short-term disability, additional voluntary benefits, EAP program, commuter benefits and a 401K plan. Our benefit offerings provide employees the flexibility to choose the type of coverage that meets their individual needs. In addition, our associates may be eligible for paid leave including Paid Sick Leave or any other paid leave required by Federal, State, or local law, as well as Holiday pay where applicable.

Equal Opportunity Employer/Veterans/Disabled

Military connected talent encouraged to apply

To read our Candidate Privacy Information Statement, which explains how we will use your information, please navigate to https://www.lhh.com/us/en/candidate-privacy

The Company will consider qualified applicants with arrest and conviction records in accordance with federal, state, and local laws and/or security clearance requirements, including, as applicable:

• The California Fair Chance Act
• Los Angeles City Fair Chance Ordinance
• Los Angeles County Fair Chance Ordinance for Employers
• San Francisco Fair Chance Ordinance

Massachusetts Candidates Only: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.