F.N.B. Corporation
Primary Office Location: 626 Washington Place. Pittsburgh, Pennsylvania. 15219.
Position Title: Loan Closer
Business Unit: Mortgage Administration
Reports To: Manager of Mortgage Closing
Position Overview This position is primarily responsible for monitoring CD dates, generating CDs, and ensuring that CDs are executed in a timely fashion to enable us to honor settlement dates. The position is also responsible for preparing closing documents, net funding of the mortgage loan, and Closing Coordination. The incumbent provides the highest quality of customer service to every customer, both internal and external, manages the settlement agent portal, and validates disclosure histories via Smart LE.
Primary Responsibilities
Prepare all bank‑prepared legal documents required to close residential mortgage loans, including the note, mortgage, riders, final RESPA documents, escrow analysis forms, amortization schedules, etc.
Prepare the Closing Disclosure in a timely manner to protect the customer’s ability to settle the transaction on time.
Perform federally required HOEPA, HPML, and TILA tests on each loan, analyze results to determine necessary steps to bring the loan into compliance, and ensure compliance with TRID regulations regarding settlement costs and curing any deficiencies.
Review attorney‑prepared legal documents for errors and omissions, detect inconsistencies, cure defects, or instruct the settlement agent on how to cure defects.
Coordinate settlement through the closing portal, procure fees and information as needed to prepare CDs and documents.
Determine if the settlement agent properly prepared the Deed, Subordination Agreement, and any other attorney‑prepared legal documents and notify the agent immediately for corrections before funds are released.
Review homeowner’s insurance policy for adequate coverage and mortgagee clause, perform initial escrow analysis using tax and insurance information, and prepare net funding of the loan to the settlement agent via general ledger tickets, block entries on ITI, or wire transfer.
Monitor the system for electronic delivery consent, disclosure timing, waiting periods, redisclosures, and reschedule closings as necessary to adhere to TRID regulatory requirements.
Perform other related duties and projects as assigned.
Serve as a risk manager by understanding, reporting, responding to, managing, and monitoring risks encountered daily, in accordance with F.N.B. Corporation’s risk management program.
Minimum Education High School or GED
Minimum Years Experience 3 years
Special Skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Detail‑oriented
Ability to use general office equipment
Ability to use a personal computer and job‑related software
MS Word – Intermediate Level
MS Excel – Intermediate Level
MS PowerPoint – Basic Level
Experience in mortgage loan closing or equivalent functional work
Special Licenses And Certificates N/A
Physical Requirements N/A
Equal Employment Opportunity (EEO) It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
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Position Title: Loan Closer
Business Unit: Mortgage Administration
Reports To: Manager of Mortgage Closing
Position Overview This position is primarily responsible for monitoring CD dates, generating CDs, and ensuring that CDs are executed in a timely fashion to enable us to honor settlement dates. The position is also responsible for preparing closing documents, net funding of the mortgage loan, and Closing Coordination. The incumbent provides the highest quality of customer service to every customer, both internal and external, manages the settlement agent portal, and validates disclosure histories via Smart LE.
Primary Responsibilities
Prepare all bank‑prepared legal documents required to close residential mortgage loans, including the note, mortgage, riders, final RESPA documents, escrow analysis forms, amortization schedules, etc.
Prepare the Closing Disclosure in a timely manner to protect the customer’s ability to settle the transaction on time.
Perform federally required HOEPA, HPML, and TILA tests on each loan, analyze results to determine necessary steps to bring the loan into compliance, and ensure compliance with TRID regulations regarding settlement costs and curing any deficiencies.
Review attorney‑prepared legal documents for errors and omissions, detect inconsistencies, cure defects, or instruct the settlement agent on how to cure defects.
Coordinate settlement through the closing portal, procure fees and information as needed to prepare CDs and documents.
Determine if the settlement agent properly prepared the Deed, Subordination Agreement, and any other attorney‑prepared legal documents and notify the agent immediately for corrections before funds are released.
Review homeowner’s insurance policy for adequate coverage and mortgagee clause, perform initial escrow analysis using tax and insurance information, and prepare net funding of the loan to the settlement agent via general ledger tickets, block entries on ITI, or wire transfer.
Monitor the system for electronic delivery consent, disclosure timing, waiting periods, redisclosures, and reschedule closings as necessary to adhere to TRID regulatory requirements.
Perform other related duties and projects as assigned.
Serve as a risk manager by understanding, reporting, responding to, managing, and monitoring risks encountered daily, in accordance with F.N.B. Corporation’s risk management program.
Minimum Education High School or GED
Minimum Years Experience 3 years
Special Skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Detail‑oriented
Ability to use general office equipment
Ability to use a personal computer and job‑related software
MS Word – Intermediate Level
MS Excel – Intermediate Level
MS PowerPoint – Basic Level
Experience in mortgage loan closing or equivalent functional work
Special Licenses And Certificates N/A
Physical Requirements N/A
Equal Employment Opportunity (EEO) It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
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