- Professional
- Oficina en Allen
Position Purpose and Objectives
The Home Equity Closer plays a critical role in delivering an exceptional and unexpected member experience through the precise and timely processing of Home Equity Line of Credit (HELOC) loans. This position ensures the accurate preparation, review, and funding of loan documentation while maintaining full compliance with regulatory and internal standards. The Closer/Funder works collaboratively with team members, title partners, and internal departments to drive operational efficiency and minimize errors throughout the funding and post-closing cycle.
Major Duties and Essential Functions
- Ensure accurate and timely preparation of Home Equity loan closing documents.
- Manage assigned pipeline for daily closings and funding with urgency and precision.
- Review final signed closing packets for accuracy, completeness, and compliance with internal and external requirements.
- Conduct thorough pre-audit and analysis of documentation to prevent post-closing issues.
- Process and fund all HELOC loans with error-free execution.
- Communicate effectively and professionally with internal departments, external partners, and members via phone, email, and in person.
- Maintain detailed tracking of missing or corrected documents; follow up promptly to ensure timely resolution.
- Provide expert support for member and staff questions related to closing requirements.
- Collaborate cross-functionally to streamline operations and reduce turnaround times.
- Stay current on mortgage products, regulatory updates, and HELOC guidelines.
- Support business goals while upholding all bylaws, regulatory policies, and audit standards.
- Keep work area organized to foster efficiency and compliance readiness.
- Complete any additional duties assigned by Home Equity Operations Manager or Senior Home Equity Processor.
Qualifications & Requirements
- Strong proficiency in time management, multitasking, and high-volume loan processing.
- Exceptional attention to detail and commitment to delivering error-free work.
- Team-oriented mindset with the ability to work collaboratively in a fast-paced, dynamic environment.
- Active MLO registration through the Nationwide Mortgage Licensing System & Registry (SAFE Act).
- Maintain valid Notary registration.
- Passionate about delivering service that reflects our mission, core values, and creed:
- We are interested, not interesting
- We are empowered
- We have fun
- Care | Understand | Teach | Xceed
Positions directly supervised:
Specific knowledge, skills, and abilities required for this position:
An individual MUST be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Personal Computer/Printer
- Accurate typing skills (40 wpm)
- Calculator/Adding Machine
- Telephone System
- CRM
- FSP
- DocuSign
- Fax Machine/Scanner
- Microsoft Word, Excel, E-Mail
The ability to read and comprehend instructions, short correspondence, and memos. The ability to write simple correspondence. The ability to effectively present information in one-on-one situations to supervisor, members, and other employees in the organization.
An ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, decimals, and the ability to compute rates and percentages.
An ability to apply common sense understanding to carry out instructions furnished in written, oral, diagram form and the ability to deal with problems involving few concrete variables in standardized situations.
Knowledge of loan policies, procedures, and loan documents to perfect liens on collateral securing loans (Homestead/Real Estate).
The ability to operate Call Management System. Must effectively communicate via telephone with members and other individuals who contact the Home Equity/Real Estate Department.
Good communication skills, using courtesy and proper grammar, to discuss credit union’s policies and procedures.
An ability to perform multiple tasks while maintaining a high standard of performance
Education: High school diploma or general education degree (GED) and two years of experience in loan processing or funding analysis.
Experience: Minimum 1-2 years or more of similar or related experience.
Physical Activities and Requirements of this Position
CATEGORY | DESCRIPTION |
Finger Dexterity | Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together. |
Grasping | Using fingers and palm on an object. |
Talking | Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. |
Repetitive Motions | Movements frequently and regularly required using the wrists, hands, and/or fingers. |
Average Hearing | Able to hear average or normal conversations and receive ordinary information. |
Average Visual Abilities | Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery. |
Sedentary Work | While performing the duties of this job, the employee will frequently talk or hear, sit, use hands to handle or feel, and reach with hands or arms. The employee will occasionally, stand and walk, climb or balance, and stoup, kneel, crouch, or crawl. The employee will occasionally lift and move up to 10 pounds. |
Working Conditions of this Position
DESCRIPTION |
None. No hazardous or significantly unpleasant conditions. |
Mental Activities and Requirements of this Position
Reasoning Ability: The ability to use common sense or logic. | |
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Detailed | Ability to define problems, collects data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. |
Mathematical Ability: The level of ability required to perform math skills and operations. | |
Basic | Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. |
Language Ability: The level of ability required to communicate and understand written and oral language. | |
Typical | Ability to use passive vocabulary of 7,000-9,000 words; read at a fast-paced rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write moderate to complex documents. Ability to communicate in complex sentences, using normal word order with present and past tenses and strong vocabulary. Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors. |
Compliance requirement
The responsibilities contained within this job description remains compliant with Bank Secrecy Act / Anti-Money Laundering, Office of Foreign Assets Control and USA PATRIOT Act as they apply to the duties of the position
Disclaimer
The information in this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job, which may vary on the department or the assignment. The actual essential duties, responsibilities and qualifications may vary by department, reporting structure and other business needs. No inference should be drawn that a specific job duty, responsibility or qualification is non-essential by its absence from this description.
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