Title: Mortgage Loan Closer
Location: Saint Petersburg, FL
Duration: 6 Months (Opportunity for extension)
Working Model: hybrid role onsite 3 days per week WFH 2 days per week
Description:
This person will be supporting the Mortgage Closing team in the capacity of a Mortgage Closer.
The loans they will be handling are from the clients of Financial Advisors as well as Florida Housing Loans which come from outside consultants.
Job Duties:
Send out closing disclosures via mail or electronically
Once a loan gets assigned to a closer, the closer will then be responsible for filling out the various forms (i.e. Title information, customer's demographic information, etc.)
Reach out to Title companies to obtain closing disclosure approval
Process funding and wiring requests
Process bond, FHA, and VA loans
Additional Responsibilities:
Obtains required loan documentation and may process less complex loan applications.
Orders credit verifications and third party services.
Tracks receipt of and reviews legal documents.
Sets up and monitors loan and financial ticklers to ensure accuracy and timeliness of receipt of documents.
Verifies loan files and supporting documents for accuracy and completeness.
Follows up on missing documentation.
Prepares and compiles documents for review and approval.
May prepare or review for accuracy, disclosures required by relevant consumer regulations.
May schedule or coordinate loan closings and clear for disbursement of proceeds.
Prepares compliance and accounting records and reports, as required by management and regulatory agencies.
May perform basic loan calculations.
Assists customers with basic inquires or problems.
May perform pre-closing/post-closing/due diligence review of legal agreements and other closing documents to terms of loan commitment.
Performs other duties and responsibilities as assigned.
Skills: Must Haves
At least 3 years of Mortgage Closing experience
Working knowledge of TRID (TILA-Respa Integrated Disclosure) and the Closing Disclosure Timing requirements
Experience reviewing Title commitments, Trust Agreements, and POA (Price on Application also known as Price on Asking)
Experience with Encompass required
High sense of urgency
Ability to meet strict deadlines
Team player; willing to pitch in whenever / where-ever needed
Professional at all times; clear and professional written and verbal communication skills
Adaptable to various personality types; ability to 'know their audience'
Reliable; good attendance record with current / previous employers - this department is constantly busy and needs all hands on deck
Keywords:
Education: Minimum of a High School Diploma or equivalent
Must have experience with the Encompass system
Minimum of 3 years of closing experience