Mortgage Loan Closer

At Service First, our unique values serve as a compass for our actions and are the foundation of our culture.

• We promote innovation and are purposefully dynamic in our growth processes. We change, not just for the good of ourselves, but for the good of everyone involved.
• We hire people with the ability to think creatively, who use inspiration and imagination to solve problems by looking at them from unexpected perspectives.
• We hire people with the ability to question assumptions and offer solutions that seem impossible; take calculated risks; take what might be seen as a problem and turn it into an opportunity; are able to bring paradigm shifts in product, processes or systems because of their thoughts and new ways of thinking; give feasible ideas and not just tangent thoughts.

Service First Mortgage is currently hiring for a Loan Closer.

Essential Duties and Responsibilities:

The Closer is responsible for reviewing loan data in the LOS for compliance, completeness and accuracy, and for updating the data to match the final underwrite of the loan. Duties include:

• Obtain missing information and prepare files.
• Final calculations.
• Prepare and issue the closing disclosure (CD), including initial, final and corrective.
• Review and prepare credit and legal documentation packages for delivery.
• Ensure closed loan packages are delivered by deadline.
• Correspond with title companies, to include coordinating and scheduling closings.
• Balance CD with the title agent.
• Maintain open lines of communication with all parties to obtain loan status information.
• Provide support to internal and external customers.
• Prepare wire breakdown and place wire order.
• Review and update LOS with final data.
• Coordinate and assist to resolve issues that affect all parties involved.

Requirements

Education and/or Work Experience Requirements:

• 2 years of loan closing/funding experience in residential mortgage is preferred.
• Working knowledge of CD’s, FHA, VA, FNMA, and FHLMC guidelines, along with title commitments, hazard and flood insurance policies.
• Experience and knowledge of RESPA/TRID laws, disclosure timing and APR rules.
• High School Diploma required; Bachelor’s degree is a plus

Skills:

• Good communication skills, including spelling and grammar.
• Aptitude for self-development and learning.
• Strong mathematical skills.
• Detailed knowledge of FHA/VA/USDA loan documents, credit documents and insurance documents.
• Understanding and proficiency with MS Excel reporting and spreadsheets.
• Strong planning and organization skills, to include strong attention to detail and the ability to multi-task, prioritize and complete a high volume of tasks and projects with minimal supervision.
• React with appropriate levels of urgency and awareness to deadlines and situations/events that require quick response or turnaround.
• Demonstrated ability to work in a team environment.
• High level of integrity, ethics, discretion and professionalism in handling confidential and sensitive information

Service First Mortgage provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. Service First Mortgage complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including, but not limited to, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Benefits

• Health Care Plan (Medical, Dental & Vision)
• Retirement Plan (401k, IRA)
• Life Insurance (Basic, Voluntary & AD&D)
• Paid Time Off (Vacation, Sick & Public Holidays)
• Short Term & Long Term Disability
• Training & Development
• Work From Home
• Wellness Resources