Mortgage Loan Closer II en None

GENERAL DESCRIPTION OF POSITION

Close mortgage loans according to all legal and regulatory guidelines related to the mortgage loan industry. Improve customer service by closing all loans in a timely manner.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Answer incoming phone calls and answer customer questions regarding mortgage loans in general or specific to a borrower's loan in closing. This duty is performed daily, about 15% of the time.

2. Close mortgage loans which includes sending closing instructions, coordinating with the title company and customer to schedule closing, balancing the Closing Disclosure, preparing closing documents and funding the loan. This duty is performed daily, about 40% of the time.

3. Correspond with customer, real estate agents, appraisers, and title companies as needed, to obtain information necessary to getting the mortgage loan ready to close. This duty is performed daily, about 15% of the time.

4. Preparing of month end reports to various bank and regulatory agencies.  Work directly with the Mortgage Loan Officer to ensure the utmost in customer service. This duty is performed daily, about 10% of the time.

5. Refer customers to other bank personnel as needed. This duty is performed daily, about 5% of the time.

6. Data entry to Bankway in balancing daily general ledger accounts to Closing Disclosure. This duty is performed daily, about 5% of the time.

7. Identify Cross selling opportunities. This duty is performed daily, about 5% of the time.

8. Completes required BSA/AML training and other compliance training as assigned. This duty is performed as needed, about 5% of the time.

9. The ability to work in a constant state of alertness and in a safe manner.

10. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 4 years related experience and/or training, and 7 to 11 months related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: 10-Key, Accounting, Alphanumeric Data Entry, Word Processing/Typing

Basic: Contact Management, Database, Spreadsheet

 WORKING CONDITIONS

Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Highly repetitive, low physical. Highly repetitive type of work which requires concentration in the performance of tasks for consistent time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is continuously required to talk or hear; regularly required to sit, use hands to finger, handle, or feel, reach with hands and arms; frequently required to stand, walk; and occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

- High school diploma or its equivalent
- 1+ years of mortgage loan closing experience required, 2+ years preferred
- 1 year hands on experience closing Conventional, FHA, VA, RD, and ADFA loans preferred.
- 1 year experience with Encompass Anywhere preferred
- 2+ year experience using personal computers
- Experience using Microsoft Office Products
- Proficient telephone and customer service skills
- Ability to sit for long periods
- Be able to lift 15 lbs
- Ability to multi-task