Mortgage Closer

Exchange Bank: Relationships You can Bank On; Lincoln (NE); On-site; USD 52,000 - 78,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k match

Vacation and sick time from day one

FSA/HSA

Job summary

Exchange Bank in Lincoln, NE seeks a Mortgage Closing Specialist to prepare accurate disclosures, monitor closing timelines, and coordinate with lenders and title companies for smooth closings.

Requirements include 2+ years in mortgage closing/processing with Encompass, strong attention to detail, and excellent communication skills. On-site role with full benefits.

Qualifications

• 2+ years of mortgage closing/processing experience using Encompass is required.
• High School diploma or equivalent; college training preferred.
• Knowledge of loan types and mortgage regulations; strong written and verbal skills.
• Ability to handle a heavy workload, maintain confidentiality, and work in a team.

Responsibilities

• Prepare and complete accurate initial and final closing disclosures within TRID timing guidelines.
• Monitor borrower receipt of Closing Disclosure and re-disclose as needed for changes.
• Review title, insurance, and related documents to ensure accuracy on closing packages.

Skills

Mortgage closing

Encompass software

Attention to detail

Communication skills

Time management

Team player

Education

High School diploma

Bachelor’s degree 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