Mortgage Closer

Exchange Bank: Relationships You can Bank On; Junction City (KS); On-site; USD 52,000 - 68,000; Full time

Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401k with employer match

Vacation and Sick time

Job summary

Exchange Bank in Junction City, KS is seeking a mortgage closing specialist to prepare and finalize closing disclosures and ensure compliant, on-time closings for mortgage customers. The role emphasizes accuracy, attention to detail, and efficient time management in a fast-paced environment.

Responsibilities include reviewing supporting documents, coordinating with lenders and title companies, and ensuring compliance with HMDA, RESPA, and TRID guidelines while delivering high quality customer

Qualifications

• 2+ years of mortgage closing/processing experience using Encompass.
• Knowledge of different loan types and mortgage industry regulations.
• Excellent communication skills, both verbal and written.
• Organized with the ability to handle a heavy workload and multiple tasks.
• Team-oriented and able to work in a fast-paced environment.

Responsibilities

• Prepare and complete accurate initial and final closing disclosures within TRID timing requirements.
• Monitor borrower’s receipt of Closing Disclosure and re-disclose as needed.
• Coordinate delays with lenders and title company to ensure timely closings.
• Review title commitments, homeowners insurance, flood certification, and related documents for accuracy.

Skills

Attention to detail

Time management

Communication skills

Teamwork

Education

High School diploma

College degree or related training

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