Page Mechanical Group, Inc.
Position Summary
The Mortgage Loan Closer is responsible for preparing, reviewing, and verifying closing documentation to ensure timely and accurate mortgage loan closings. This role involves coordinating with title companies, attorneys, borrowers, and internal departments to confirm all required documents are complete, compliant, and meet investor and regulatory guidelines. The Loan Closer ensures that funds are disbursed correctly and that post-closing processes are completed efficiently. A successful candidate will have strong attention to detail, excellent organizational skills, and a thorough understanding of mortgage lending and compliance requirements.
Qualifications
Minimum of 5+ years of recent experience as a mortgage funder/closer
In-depth knowledge and experience of RESPA/TRID regulations
Strong analytical skills, high attention to detail, and proficiency with numerical data
Recent experience with Conventional, FHA, and VA closings
Demonstrated high ethical standards and integrity
Exceptional customer service and client relationship skills
Proficient in Encompass Loan Origination System (LOS) and general computer applications
Excellent verbal and written communication skills
Proven ability to prioritize tasks, meet deadlines, and manage time effectively
Strong problem-solving skills with a solid understanding of business processes and procedures
Track record of success in fast-paced, high-pressure environments
Collaborative mindset with the ability to maintain professional working relationships
Highly organized, with the ability to remain composed and effective under pressure
A flexible, adaptable team player who thrives in dynamic and evolving work environments
Commitment to maintaining the confidentiality and security of sensitive data
Credit Union Experienced, preferred
Equity Closing Experience, preferred
Our Credit Union is California based, must have the knowledge of California Requirements
Must be able to work between the hours of 7am - 5pm PST
Key Responsibilities
Schedule loan closings, maintain close communication with Members, Loan Officer, and Loan Processor to ensure timely fulfillment.
Review and compare documentation in the loan file with the Loan Origination System (LOS) data to ensure accuracy and compliance.
Enter loan fees and applicable data to generate the Initial Closing Disclosure (CD as part of the pre-closing process.
Perform all necessary data entry to prepare and deliver complete and accurate loan documents to the settlement agent.
Review closing conditions and verify that all loan documents are signed properly; clear outstanding conditions prior to authorizing funding.
Collaborate with settlement agents to reconcile Closing Disclosure figures, determine the borrower’s final cash-to-close, and calculate the funding wire amount.
Authorize loan funding and request wire prior to cutoff time, upon receipt and validation of all required signed, dated, notarized documents and satisfied conditions.
Resolve post-closing deficiencies promptly to ensure proper loan delivery and compliance.
Provide support to team members by assisting with another closer’s pipeline when necessary.
Manage daily pipeline and workload effectively through pipeline views to ensure timely closings and adherence to scheduled Close of Escrow (COE) dates.
Ensure all loan closings are conducted in compliance with Federal and State regulations, investor guidelines, and maintain compliance with regulatory (wet, dry) requirements.
Coordinate closeout of the loan transaction with the closing agent by generating Final Closing Disclosure and conduct the Post CD audit, to ensure all fees, credits, and refunds are issued within TRID timelines.
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Qualifications
Minimum of 5+ years of recent experience as a mortgage funder/closer
In-depth knowledge and experience of RESPA/TRID regulations
Strong analytical skills, high attention to detail, and proficiency with numerical data
Recent experience with Conventional, FHA, and VA closings
Demonstrated high ethical standards and integrity
Exceptional customer service and client relationship skills
Proficient in Encompass Loan Origination System (LOS) and general computer applications
Excellent verbal and written communication skills
Proven ability to prioritize tasks, meet deadlines, and manage time effectively
Strong problem-solving skills with a solid understanding of business processes and procedures
Track record of success in fast-paced, high-pressure environments
Collaborative mindset with the ability to maintain professional working relationships
Highly organized, with the ability to remain composed and effective under pressure
A flexible, adaptable team player who thrives in dynamic and evolving work environments
Commitment to maintaining the confidentiality and security of sensitive data
Credit Union Experienced, preferred
Equity Closing Experience, preferred
Our Credit Union is California based, must have the knowledge of California Requirements
Must be able to work between the hours of 7am - 5pm PST
Key Responsibilities
Schedule loan closings, maintain close communication with Members, Loan Officer, and Loan Processor to ensure timely fulfillment.
Review and compare documentation in the loan file with the Loan Origination System (LOS) data to ensure accuracy and compliance.
Enter loan fees and applicable data to generate the Initial Closing Disclosure (CD as part of the pre-closing process.
Perform all necessary data entry to prepare and deliver complete and accurate loan documents to the settlement agent.
Review closing conditions and verify that all loan documents are signed properly; clear outstanding conditions prior to authorizing funding.
Collaborate with settlement agents to reconcile Closing Disclosure figures, determine the borrower’s final cash-to-close, and calculate the funding wire amount.
Authorize loan funding and request wire prior to cutoff time, upon receipt and validation of all required signed, dated, notarized documents and satisfied conditions.
Resolve post-closing deficiencies promptly to ensure proper loan delivery and compliance.
Provide support to team members by assisting with another closer’s pipeline when necessary.
Manage daily pipeline and workload effectively through pipeline views to ensure timely closings and adherence to scheduled Close of Escrow (COE) dates.
Ensure all loan closings are conducted in compliance with Federal and State regulations, investor guidelines, and maintain compliance with regulatory (wet, dry) requirements.
Coordinate closeout of the loan transaction with the closing agent by generating Final Closing Disclosure and conduct the Post CD audit, to ensure all fees, credits, and refunds are issued within TRID timelines.
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