Mortgage Lending Closer

• Health benefits including medical, dental, and vision for employees
• Tuition reimbursement
• 401(k) match
• Annual Bonus Incentive
• Paid Company Annual Holidays
• Paid time off
• Frequent employee appreciation and recognition events

Essential Functions and Duties

25% Reviews incoming documents to ensure complete, accurate information and updates information on the computer system. Requests and verifies the accuracy of incoming data and coordinates any problems/discrepancies with borrowers and loan originators. Assembles and analyzes borrower data and computes ratios for submission to loan underwriters. Prepares and sends commitment letters and adverse action notices. 

20%  Orders credit reports, appraisals, surveys, and title commitments by faxing appropriate order forms to vendors. Prepares verification forms for income, deposits, and rent for mail, fax, or telephone as requested.

15%  Reviews closing documents and audits closed loans, including ELOCs. Updates the computer system based on the loan decision made by the underwriter. Prepares commitment letters or adverse action letters as needed. 

15%  Interacts with customers to answer questions on loan qualification process, sets appointments with loan officer, and promotes all services available at the company. 

10%  Completes instruction forms for closing and completes data entry for loan; review closing documents prepared by title office and verifies final loan terms. 

10%  Receives and follows up on outstanding documentation. Upon receipt of sufficient information to make a loan decision, assembles, updates, and analyzes data in a timely manner for loan underwriter review.

5%  Pays property taxes on all escrow accounts 

- Other duties as assigned 

-  Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

-  Commitment to provide excellent customer service while using Member Service & Loyalty Skills: Focus on Member, Maintain/Enhance Self-Esteem, Listen, Maintain Personal Responsibility, Manage Complaints and Resolve Problems