Mortgage Closing Specialist

Radiant Credit Union; Gainesville (FL); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Health, dental, and vision insurance

Telemedicine access

Generous PTO accrual

Eleven and a half paid holidays

Employee Assistance Program

Gym reimbursement

Education reimbursement

Job summary

Radiant Credit Union is seeking a Mortgage Closing Specialist in Gainesville, FL. This role is vital in facilitating the mortgage loan process and ensuring an exceptional closing experience for borrowers.

The ideal candidate will manage closing costs, communicate with borrowers, and ensure compliance with all regulations. Benefits include health insurance, generous PTO, and education reimbursement.

Qualifications

• Two years of similar or related experience in mortgage lending.
• Familiarity with residential mortgage loan documentation and TRID.
• Experience with electronic and physical file management.

Responsibilities

• Calculate final closing costs and balance Closing Disclosures.
• Communicate effectively with all parties and respond to inquiries.
• Coordinate closing schedules with various stakeholders.

Skills

Excellent written and verbal communication skills

Strong attention to detail

Negotiation and problem-solving skills

Education

High School Diploma or GED

Tools

Microsoft Office

MeridianLink Mortgage

DocuSign

Job description

Position

Mortgage Closing Specialist

Location

Gainesville, FL (On-Site)

Job ID and Openings

Job ID: 287-2026 - # of Openings: 1

Role Overview

As a Mortgage Closing Specialist, you will be an integral part of the mortgage loan process and provide borrowers with an exceptional closing experience, meet regulatory deadlines, and maintain communication with all parties.

Essential Functions and Responsibilities

• Calculate final closing costs and balance Closing Disclosures with the Closing Agent, provide accurate and compliant Closing Disclosure to the borrower, and ensure the disclosure is received and signed within TRID timing guidelines.
• Routinely communicate effectively with all parties and respond to borrower inquiries.
• Coordinate closing schedules with borrowers, lenders, title companies, and attorneys.
• Evaluate loan data to ensure all closing conditions are met. Prepare final loan documents in the credit union’s Loan Origination Software (MeridianLink) for borrower signatures and ensure the loan adheres to all federal, state, and investor guidelines.
• Review loan files for completeness and accuracy, prepare closing instructions for the closing agent, and coordinate funding (wire transfers) for timely delivery of funds.
• Audit executed closing packages before funding authorization, identify and resolve issues or discrepancies, and authorize funding approval. File and store all post-closing documents correctly in the credit union’s document storage system.
• Cross-train and assist mortgage processing.
• Work within and across department lines to ensure an industry-leading member experience.
• Stay abreast of mortgage trends and maintain comprehensive knowledge of the credit union’s mortgage policies and products.
• Perform other duties as assigned.

Knowledge and Skills

• Experience: Two years of similar or related experience in mortgage lending.
• Education: High School Diploma or GED.
• Interpersonal Skills: Excellent written and verbal communication skills, strong attention to detail, confidentiality and diplomacy, ability to influence both internal and external members, negotiation and problem-solving skills.
• Other Skills: Experience with Microsoft Office and other office equipment; familiarity with residential mortgage loan documentation and TRID; DocuSign and Meridian Link Mortgage experience preferred but not required; electronic and physical file management.

Benefits

Health, dental, and vision insurance; telemedicine access; generous PTO accrual; eleven and a half paid holidays; Employee Assistance Program; gym reimbursement; education reimbursement.