Mortgage Loan Closer

Front Range State Bank; Colorado; On-site; USD 52,000 - 75,000; Full time

Benefits offered by this job

401(k) Profit Sharing Plan

401(k) Matching

Medical, Dental and Vision Insurance

Health Savings Account with company贡献

Job summary

Front Range State Bank in Colorado is seeking a Mortgage Loan Closer to serve as the subject matter expert for residential real estate documents and disclosures. You will ensure accuracy, regulatory adherence, and efficient processing within the mortgage operations team.

The role requires strong communication, attention to detail, and collaboration with title companies and lenders to provide an excellent customer experience throughout the loan origination and closing process.

Qualifications

• Bachelor's degree in a financial services related field preferred
• Minimum 5 years of experience within the mortgage lending industry
• Fluent English (reading/writing/speaking); Spanish helpful but not required

Responsibilities

• Serve as subject matter expert for all residential real estate documents and disclosures.
• Provide clear, polite and professional communication in-person, via phone, chat, and email.
• Master use of document systems including DocMagic, Laserpro and related systems.
• Assemble permanent loans files, ensuring accuracy and completeness.
• Issue TRID and closing documents per Federal and State regulations.
• Collaborate within mortgage operations to optimize customer experience.
• Coordinate with title companies to balance closing figures efficiently.
• Assist in mortgage loan pipeline management and regulatory deadlines.

Skills

Customer service

Interpersonal skills

Communication

Team player

Education

Bachelor's degree in financial services (preferred)

5+ years mortgage lending experience

Tools

DocMagic

Laserpro

LOS

PPE

POS

CRM

Investor portals

Job description

Front Range State Bank/RNB State Bank is a locally managed independent community bank founded in 1899 located in Colorado and Wyoming, offering an array of customized and personalized banking services that meet the needs of businesses and personal clientele. Front Range State Bank/RNB State Bank takes pride in developing personal relationships with its clients while maintaining the highest level of professional service.

Our mission is to not only provide personalized banking services for our clientele, but to encourage our staff to personally contribute to making a difference in the communities that we serve. The Bank is also working towards being a community leader that balances purpose with profit by considering the impact of its decisions on its workers, customers, suppliers, community, and the environment.

What we are looking for:

Front Range State Bank/RNB State Bank is looking for a driven, reliable, hardworking employee who wants to make a difference and provide exceptional customer service for our clients and in our community. If your goal is to build a career that is impactful & fulfilling, consider joining the dedicated team at Front Range State Bank/RNB State Bank.

Benefit Package Offered: (Subject to Eligibility Requirements)

• 401(k) Profit Sharing Plan
• 401(k) Matching
• Medical, Dental and Vision Insurance
• Heath Savings Account with company contribution
• Employer paid Life/LTD
• AD&D Insurance
• Paid Vacation, Sick and Holiday time
• Flexible Spending Account
• Professional Development Resources/Tuition Reimbursement
• Employee Assistance Program
• An annual bonus may be paid to eligible employees based on organization & individual performance.

The Mortgage Loan Closer will be our subject matter expert on all aspects of residential real estate loan documents and disclosures. This role will be responsible for assuring the accuracy of the information within the documents as well as adherence to regulations and secondary market requirements. This role will also serve as a member of the mortgage operations team, assisting in the day-to-day process of originating residential real estate loans.

Essential Duties and Responsibilities:

• Serve as subject matter expert for all residential real estate documents and disclosures.
• Provide clear, polite and professional communication in-person, via phone, chat, and email to internal and external customers.
• Master the use of all document systems including DocMagic, Laserpro, and any other system associated with the production of loan documents and/or the loan origination process.
• Responsible for assembling permanent loans files, assuring accuracy and completeness.
• Responsible for issuing TRID documents as well as closing documents, while adhering to all Federal and State regulations.
• Collaborate with the rest of the mortgage operations department to ensure that the lender and customer both have the best possible experience.
• Work with our secondary market quality control vendor to ensure that they can efficiently complete their reviews.
• Coordinate with title companies to balance closing figures in a quick and efficient manner.
• Assist in mortgage loan pipeline management, including, but not limited to, tracking regulatory deadlines, status of each application within the origination process, ordering of appraisals, closing date, etc.
• Work with lenders to ensure that all disclosures and closing documents meet their approval.
• Serve as a mortgage loan administrator, assisting in other areas of the loan origination process as needed.
• Collaborate with other members of the mortgage operations department to ensure the timely sale of secondary market mortgage loans.
• Update information in the loan operating system.
• Assists in the coordination among all parties in the mortgage lending process
• Master all technology used in the loan origination process including but not limited to the LOS, PPE, POS, CRM, document system, cold storage, core technology, etc.
• Communicate with and facilitate processes and parties in the origination process.
• Operate within a team environment and effectively communicate with customers, lenders, processors, closers and underwriters.
• Maintain a high level of customer satisfaction (internal/external).

Nonessential Duties and Responsibilities:

• Assist the Loan Operations Manager in various duties as needed.
• Performs all other duties as assigned.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience:

A bachelor's degree in a financial services related field is preferred but not required.

Candidates must have a minimum of 5 years of experience within the mortgage lending industry.

Customer Service/Interpersonal Skills:

Consistently demonstrate a positive, welcoming, friendly, polite, patient, and professional attitude. Ability to actively listen, ask effective questions, build rapport and trust, explain information clearly, take ownership of customer needs, remain calm when concerns arise, and work toward practical solutions.

Language Ability:

Ability to understand complicated situations and communicate them in a succent and efficient manner. Must be fluent (reading/writing/speaking) in English. The ability to read, write, and speak Spanish is preferred but not required.

Math Ability:

Ability to work with mathematical concepts such as fractions, ratios, percentage, basis points, and proportions.

Reasoning Ability:

Ability to define problems, collect data, establish facts and draw valid conclusions. Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations. Team player who must embrace change and see change as opportunity. Must be willing to express and support management’s ideas to affected staff.

Computer Skills:

To perform this job successfully, an individual must have the ability to adapt to new technological systems such as an LOS, a POS, and various investor portals. Knowledge of Word and Excel is preferred but not required.

Certificates and Licenses:

Existing NMLS registration

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include Close vision. While performing the duties of this Job, the employee is regularly required to talk or hear. The employee is frequently required to use hands to finger, handle, or feel and reach with hands and arms. The employee is occasionally required to stand, walk, and sit.

Salary Range: $52,000 - $74,880 depending upon experience

RNB/Front Range State Bank is an Equal Opportunity Employer