Mortgage Loan Closer

Calculated Hire; Cincinnati (OH); Hybrid; USD 52,000 - 65,000; Full time

Job summary

Eight Eleven Group (DBA Calculated Hire) is seeking a Retail Lending Closer to prepare, review, and coordinate consumer and mortgage loan closing packages. The role ensures regulatory compliance, accuracy, and on-time funding by partnering with lending, underwriting, and compliance teams.

The ideal candidate has 1–2+ years in consumer lending or mortgage closing, with hands-on Encompass experience and strong attention to detail for document and funding accuracy.

Qualifications

• 1–2+ years of experience in consumer lending, mortgage closing, or consumer banking operations
• Hands-on experience using Encompass is required
• Strong mathematical and analytical skills to ensure document and funding accuracy

Responsibilities

• Prepare, review, and finalize consumer and mortgage loan closing documentation in accordance with regulatory, investor, and internal policy requirements
• Review loan approvals, supporting documentation, and system data to confirm TRID and due-diligence requirements are satisfied prior to closing
• Generate and review HUD‑1 / Closing Disclosure statements to ensure accuracy and regulatory adherence
• Send closing instructions and coordinate with internal lending partners to resolve documentation deficiencies prior to scheduled closings
• Prepare all required disclosures and closing documents using loan origination systems
• Verify underwriting and funding conditions have been satisfied and properly approved
• Obtain and validate all required documentation to support closing and disbursement of funds
• Maintain clear, timely communication with internal teams and external parties throughout the closing process
• Ensure all activities align with applicable state and federal banking regulations

Skills

Attention to detail

Customer service

Analytical skills

Tools

Encompass

Job description

Location: Cincinnati, OH (Hybrid – Partially Remote); (optional locations: Cheviot, OH and Greensburg, IN)

Duration: 6-Month Contract

Position Overview

The Retail Lending Closer is responsible for preparing, reviewing, and coordinating consumer and mortgage loan closing packages to ensure accuracy, regulatory compliance, and on‑time funding. This role partners closely with lending, underwriting, and compliance teams to resolve documentation issues and ensure all due‑diligence requirements are met prior to closing.

This position plays a critical role in supporting retail mortgage operations and ensuring a smooth, compliant closing experience for all parties involved.

Key Responsibilities

• Prepare, review, and finalize consumer and mortgage loan closing documentation in accordance with regulatory, investor, and internal policy requirements
• Review loan approvals, supporting documentation, and system data to confirm TRID and due‑diligence requirements are satisfied prior to closing
• Generate and review HUD‑1 / Closing Disclosure statements to ensure accuracy and regulatory adherence
• Send closing instructions and coordinate with internal lending partners to resolve documentation deficiencies prior to scheduled closings
• Prepare all required disclosures and closing documents using loan origination systems
• Verify underwriting and funding conditions have been satisfied and properly approved
• Obtain and validate all required documentation to support closing and disbursement of funds
• Maintain clear, timely communication with internal teams and external parties throughout the closing process
• Ensure all activities align with applicable state and federal banking regulations

Required Qualifications

• 1–2+ years of experience in consumer lending, mortgage closing, or consumer banking operations
• Hands‑on experience using Encompass (required)
• Strong attention to detail with the ability to manage multiple files simultaneously
• Excellent written, verbal, and customer service communication skills
• Proficiency with loan industry systems and standard office software
• Strong mathematical and analytical skills to ensure document and funding accuracy

Preferred Skills & Attributes

• Strong problem‑solving skills with the ability to navigate documentation and closing challenges
• Effective time‑management and organizational skills
• Adaptability and willingness to learn new systems, processes, and regulations
• Ability to work independently while collaborating effectively with cross‑functional teams

Work Environment & Independence

• Performs recurring operational tasks with moderate complexity
• Applies standardized rules, procedures, and regulatory requirements
• Exercises limited independent judgment within established guidelines
• Interacts with internal and external stakeholders to exchange operational information

Eight Eleven Group (DBA Calculated Hire) provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, national origin, age, sex, citizenship, disability, genetic information, gender, sexual orientation, gender identity, marital status, amnesty or status as a covered veteran in accordance with applicable federal, state, and local laws.

ABOUT EIGHT ELEVEN:

At Eight Eleven, our business is people. Relationships are at the center of what we do. A successful partnership is only as strong as the relationship built. We’re your trusted partner for IT hiring, recruiting and staffing needs.

For over 16 years, Eight Eleven has established and maintained relationships that are designed to meet your IT staffing needs. Whether it’s contract, contract-to-hire, or permanent placement work, we customize our search based upon your company's unique initiatives, culture and technologies. With our national team of recruiters placed at 21 major hubs around the nation, Eight Eleven finds the people best‑suited for your business. When you work with us, we work with you. That’s the Eight Eleven promise.

Eight Eleven Group provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, national origin, age, sex, citizenship, disability, genetic information, gender, sexual orientation, gender identity, marital status, amnesty or status as a covered veteran in accordance with applicable federal, state, and local laws.