Hybrid Mortgage Loan Closer 2 en Sunward

Description

Job Summary:

Ensures all mortgage loans are scheduled, closed, booked, and funded in a timely, efficient, and accurate manner. Ensures that all loan application and closing requirements are met at both the federal and state level to perfect the Credit Union’s lien position. Acts as an independent reviewer to ensure that best practices are performed for appraisal and evaluation functions. Completes and tracks required loan documentation, data input, document production, document audit, loan posting, and funds disbursement.

Essential Job Duties

• Review and analyze mortgage loan documents to ensure accuracy, completeness, lien position and vesting for the benefit of the member and minimize risk to the Credit Union.
• Verify loan for accuracy, completeness, and to ensure compliance with all SLFCU guidelines, secondary market guidelines, and federal and state regulations.  
• Verify all applicable fees on Closing Disclosure or HUD-1 while comparing to the loan estimate for compliance and tolerance allowances.  
• Ensure proper Closing Disclosures are provided to member in accordance with TRID and RESPA guidelines to ensure all deadlines are met and all appropriate parties are notified.
• Receive and confirm loan details with member prior to closing. Prepare closing documents and perform pre-funding quality control. Confirm all underwriting conditions have been satisfied. Book and fund loan transactions and submit fully executed closing package to Loan Services.
• Exceed members’ expectations through efficient, proactive, and accurate service to ensure superior member service via a variety of delivery channels.
• Provide a superior member experience by:
• Actively listening to and anticipating the needs of the member
• Identifying and recommending solutions
• Referring members to the appropriate person or department
• Answer phone calls regarding mortgage questions accurately and professionally.
• Participate in the development and improvement of department procedures and processes.
• Serve as back-up to other closers in their absence.
• Perform other duties as requested by management.

Requirements

Required Skills/Abilities: 

• Possesses excellent interpersonal skills. Demonstrates daily the Credit Union’s commitment to putting members first.
• Able to formulate creative solutions that strengthen the Credit Union’s relationship with members and business partners. Demonstrates exceptional problem-solving skills.
• Demonstrates strong relationship management skills.
• Able to handle difficult situations in a positive and professional manner.
• Functions well within departmental and cross-functional teams. Able to work proactively with team members in developing and achieving a common goal.
• Demonstrates strong verbal and written communication skills; able to communicate lending-related topics clearly and succinctly to others.
• Possesses excellent organizational and time management skills; able to handle/prioritize multiple tasks and projects, meet deadlines, and work under pressure. Able to process a higher volume of work.
• Able to act independently to satisfy loan conditions.
• Able to identify opportunities for improvement with processes and procedures to improve efficiency.

Required Knowledge:

• Working knowledge and solid understanding of real estate lending processes and documents, including escrow accounts, HMDA, flood, TIL-Reg Z, and loan applications.
• Proficient with Microsoft Office applications and able to learn third-party software programs.

Education and/or Experience: 

• Minimum two years’ direct experience with real estate loans.
• Associate’s degree or successful completion of a specialized course or study in real estate or related field desired.  

Physical Requirement: 

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 5 pounds at times.