Mortgage Closing Specialist

First United Bank; Plano (TX); On-site; USD 60,000 - 90,000; Full time

Job summary

First United Bank in Plano is seeking a skilled Mortgage Loan Closer to ensure accuracy across the loan file, verify lock and approvals, and coordinate with title companies for timely closings. You will assess disclosures, CD management, and funding readiness to support a smooth underwriting to funding process.

The role requires five+ years in a loan production environment, with hands-on experience closing FHA/VA, FNMA, non-conforming and conventional loans, plus proficiency with ENCOMPASS and

Qualifications

• Strong written and verbal communication skills.
• Teamwork and customer service skills are a must.
• Strong ability to build and maintain relationships with other departments.

Responsibilities

• File Auditing: Audit the mortgage loan file for accuracy and review underwriting approvals for clear-to-close and specific closing/funding conditions.
• Data Verification: Verify that the lock, loan approval, fees, and current loan entry program data all match completely.
• System Management: Ensure the loan is correct within the loan entry program, complete all required closing fields, and log file progress in the conversation log or loan story during every interaction.
• Title Coordination: Prepare and send closing instructions, invoices, insurance, and relevant file items to the title company 24 hours prior to closing.
• Closing Disclosure (CD) Management: Review title company CDs, secure MLC approval on figures, issue initial CDs to borrowers, and handle Changes of Circumstance (COC) CDs when applicable.
• Document Preparation: Prepare, review, and send final closing documents to the title company while maintaining strict compliance and accuracy.
• Funding Operations: Verify wiring instructions, initiate wire transfers, send expedited funding authorizations to title, and successfully complete all funding checklist items.
• Communication & Collaboration: Provide consistent file status updates to the MLC and Loan Assistant, and assist the post-closing and shipping departments with missing documents or file issues.

Skills

Communication skills

Teamwork & customer service

Relationship building

Attention to detail

Tools

ENCOMPASS

Microsoft Word

Excel

Outlook

Job description

First United Bank in Plano is seeking a skilled Mortgage Loan Closer to ensure accuracy across the loan file, verify lock and approvals, and coordinate with title companies for timely closings. You will assess disclosures, CD management, and funding readiness to support a smooth underwriting to funding process.

The role requires five+ years in a loan production environment, with hands-on experience closing FHA/VA, FNMA, non-conforming and conventional loans, plus proficiency with ENCOMPASS and