Mortgage Closer

Exchange Bank: Relationships You can Bank On; Gibbon (NE); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Health, Dental, Vision insurance

401k with employer match

Vacation and sick time starting day 1

FSA and HSA with employer contribution

Job summary

Exchange Bank in Nebraska is seeking a Mortgage Closing Specialist to prepare accurate closing disclosures and ensure timely, compliant closes for mortgage customers.

You will review documents, coordinate with lenders and title companies, and maintain high attention to detail in a fast-paced environment. A focus on communication, organization, and teamwork will help you deliver a smooth closing experience for borrowers and partners.

Qualifications

• 2+ years of mortgage closing/processing experience using Encompass software.
• High School diploma or equivalent required; college degree or business-related training/experience preferred.
• Knowledge of different loan types and mortgage industry regulations.
• Excellent verbal and written communication skills.
• Ability to organize and handle a heavy workload and multiple tasks professionally and efficiently.
• Ability to work in a team environment.
• High level of accuracy with handling confidential information.

Responsibilities

• Prepare and complete accurate and compliant initial and final closing disclosures within TRID timing guidelines; monitor borrower’s receipt of the Closing Disclosure.
• Re-disclose Closing Disclosures for changes in circumstance or APR, determine new waiting period, and coordinate delays with lenders and title company.
• Review title commitment, homeowner’s insurance, flood certification, invoices, and other documents to ensure accurate closing inputs.

Skills

Mortgage closing experience

Attention to detail

Time management

Communication skills

Teamwork

Organization

Education

High School diploma or equivalent

College degree or business training preferred

Tools

Encompass

Job description

This position’s primary responsibility will be to prepare closing transactions for mortgage customers while providing superior customer service to ensure a professional and timely transaction for all involved. The position requires attention to detail and the ability to manage time well in a fast-paced work environment.

Job Duties

• Prepare and complete accurate and compliant initial and final closing disclosures within the TRID timing guideline requirements. Monitor borrower’s receipt of the Closing Disclosure.
• Re-disclose Closing Disclosures as required for change in circumstance events or APR changes and determine the new waiting period. Coordinate delays with lenders and title company.
• Review title commitment, homeowner’s insurance, flood certification, invoices, etc. to make sure all information is inputted and showing correctly on closing documents

Qualifications

• Review file to make sure all compliance guidelines are met (HMDA, RESPA, TRID, etc.)
• Analyze and interpret compliance report for each file (MAVENT)
• Prepare closing documents to ensure loan is closed properly and meets program and investor guidelines.
• Work closely with Lenders, title company and borrowers to ensure a smooth closing experience for all involved.

JOB REQUIREMENTS/QUALIFICATIONS

• 2+ years of experience in mortgage closing and/or processing using Encompass software required.
• High School diploma or equivalent required. College degree or business-related training/ education with equivalent work experience preferred.
• Knowledge of different loan types and mortgage industry regulations
• Excellent communication skills, both verbal and written.
• Must be able to demonstrate organization and the ability to handle a heavy workload and multiple tasks in a professional, efficient manner.
• Ability to work in a team environment.
• High level of accuracy with attention to detail and ability to handle confidential information.

Full benefits package is available, including

• Health, Dental, Vision, Life and Disability Insurance
• 401k with employer match
• Vacation and Sick time starting day one
• FSA and HSA with employer contribution to HSA

Exchange Bank is an Equal Opportunity Employer, M/F/Disability/Protected Veteran