Mortgage Loan Closer

Calculated Hire; Louisville (KY); On-site; USD 45,000 - 65,000; Full time

Job summary

Calculated Hire seeks a Retail Lending Closer in Louisville, Kentucky. This role involves preparing, reviewing, and coordinating closing documentation for consumer and mortgage loans, ensuring accuracy and compliance. The ideal candidate has 1–2 years of mortgage closing experience using Encompass, strong organizational skills, and excellent communication abilities. Responsibilities include collaborating with lending teams, verifying documentation, and maintaining compliance with regulatory standards. Join a dynamic team to support timely and compliant loan closings.

Qualifications

• 1–2+ years of hands-on mortgage closing experience using Encompass LOS.
• Strong organizational skills with high attention to detail.
• Excellent written, verbal, and customer service communication skills.
• Proficiency with computer systems and mortgage industry platforms preferred.
• Basic mathematical and calculation skills.

Responsibilities

• Prepare, review, and coordinate loan closing documentation using Encompass.
• Review loan approvals and supporting documentation to confirm regulatory requirements.
• Prepare and distribute required disclosures and closing documents.
• Send closing instructions and review settlement statements for accuracy.
• Partner with lending staff to resolve documentation deficiencies.
• Verify underwriting conditions are satisfied prior to closing.
• Obtain and validate required documentation to support closing.
• Maintain clear communication with internal teams and external partners.

Skills

Mortgage & Consumer Lending Operations

Encompass LOS – Loan Closing & Document Management

Closing Documentation & Disclosures

Regulatory & Compliance Awareness (TRID)

Cross-functional Collaboration

Attention to Detail & Accuracy

Tools

Encompass

Loan-related software

Job description

The Retail Lending Closer supports consumer and mortgage loan closings by preparing, reviewing, and coordinating all required closing documentation within Encompass. This role ensures accuracy, regulatory compliance, and completion of due diligence requirements while partnering closely with lending, underwriting, and settlement teams to support timely and compliant loan closings.

Key Responsibilities

• Prepare, review, and coordinate consumer and mortgage loan closing documentation using Encompass, ensuring accuracy, completeness, and compliance.
• Review loan approvals, supporting documentation, and system data to confirm regulatory requirements (including TRID) and due diligence standards are met prior to closing.
• Prepare and distribute required disclosures and closing documents in accordance with internal policy, regulatory, and investor guidelines.
• Send closing instructions and review settlement statements to ensure accuracy and adherence to guidelines.
• Partner with lending staff and third parties to identify, communicate, and resolve documentation deficiencies ahead of scheduled closings.
• Verify underwriting and funding conditions are satisfied and approved prior to closing.
• Obtain and validate required documentation to support closing and fund disbursement.
• Maintain clear, timely communication with internal teams and external partners throughout the closing lifecycle.
• Build working knowledge of assigned consumer and mortgage products, origination systems, and applicable laws and procedures.

Core Competencies

• Mortgage & Consumer Lending Operations
• Encompass LOS – Loan Closing & Document Management
• Closing Documentation & Disclosures
• Regulatory & Compliance Awareness (TRID, consumer lending standards)
• Cross-functional Collaboration
• Attention to Detail & Accuracy

Required Qualifications

• 1–2+ years of hands‑on mortgage closing experience using Encompass LOS (required)
• Strong organizational skills with high attention to detail.
• Excellent written, verbal, and customer service communication skills.
• Proficiency with computer systems and loan-related software; mortgage industry platforms preferred.
• Basic mathematical and calculation skills to ensure accuracy in financial documentation.

Preferred Skills & Attributes

• Strong problem‑solving skills with the ability to evaluate multiple solutions.
• Adaptability and willingness to learn new systems, products, and processes.

Level of Complexity & Scope

• Supports recurring operational tasks and medium‑term deliverables.
• Applies standardized rules, procedures, and operational guidelines.
• Exercises limited judgment related to administrative and process-driven decisions.
• Issues encountered are generally routine in nature.

Independence & Decision‑Making

• Operates within clearly defined guidelines and procedures.
• Interacts with internal teams and external partners to exchange and clarify information.
• Influence is limited to individual contribution within the loan closing process.