Mortgage Loan Closer

HCLTech; Westlake Village (CA); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

401(k) retirement plan

Paid time off

Paid holidays

Job summary

A leading technology company based in California is seeking a Mortgage Closer to prepare loan closing packages and ensure compliance with all necessary regulations. Responsibilities include reviewing loan files, preparing the Closing Disclosure, and coordinating with settlement agents. Candidates should have a High School Diploma or equivalent and 3+ years of loan closing experience preferred. The role offers competitive benefits including medical, dental, and a 401(k) retirement plan.

Qualifications

• 3+ years of prior loan closing experience preferred.
• Intermediate proficiency with MS Office and Excel required.
• Excellent written and oral communication skills.

Responsibilities

• Review loan files to ensure readiness for closing and funding.
• Prepare and review the Closing Disclosure for compliance.
• Coordinate with settlement agents to obtain final fees.
• Review Closing Disclosure for accuracy and balance with title.
• Assist with post-closing corrections and audits.

Skills

Customer service

Multi-tasking

Knowledge of federal and state regulatory requirements

Attention to detail

Education

High School Diploma or GED equivalent

Some college preferred

College degree desired

Tools

MS Office

Mortgage loan applications/software

Job description

As a Mortgage Closer, for one of our client projects, you will be responsible for the preparation of loan closing packages, Closing Disclosure (CD) preparation, including issuance of funds, closing instructions, and other tasks necessary to ensure the marketability of loans.

Essential Functions / Duties

• Competently review loan files to ensure all conditions are cleared and the file is ready to close and fund.
• Review title commitment to ensure all title issues have been remediated prior to drawing closing documents.
• Perform accurate and complete input into the client’s system in preparation of drawing closing documents.
• Ensure accurate reporting when working through the loan pipeline.
• Coordinate delivery of closing documents to the settlement agent.
• Ensure all state requirements are met.
• Review underwriting conditions.
• Coordinate with the settlement agent to obtain final fees to prepare the Closing Disclosure.
• Ensure accuracy of instructions to settlement agents.
• Review the Closing Disclosure for compliance with closing instructions and balance with title.
• Review returned documents for accuracy and completeness prior to funding in escrow states.
• Correct loan amounts if necessary.
• Approve documents for funding.
• Authorize and arrange for the funding wire or check and meet any warehouse requirements.
• Assist with post‑closing corrections and audits.

Education & Experience

• High School Diploma or GED equivalent required; some college preferred; college degree desired.
• Intermediate to computer proficiency skills with MS Office, Excel and mortgage loan applications/software; LOS experience preferred.
• 3+ years of prior loan closing experience preferred.
• Excellent customer service skills; written and oral communication skills; ability to demonstrate control, flexibility and maintain quality and high productivity when dealing with customers.
• Ability to multi‑task and operate in a high‑volume, fast‑paced environment.
• Knowledge of federal and state regulatory requirements a plus.
• Must be able to perform essential responsibilities with or without reasonable accommodation.

Experience

• Mortgage Closing Experience: 3 years (Preferred)
• Microsoft Office: 3 years (Preferred)
• Customer Service: 3 years (Preferred)

Benefits

HCLTech is an equal opportunity employer, committed to providing equal employment opportunities to all applicants and employees regardless of race, religion, sex, color, age, national origin, pregnancy, sexual orientation, physical disability or genetic information, military or veteran status, or any other protected classification, in accordance with federal, state, and/or local law. A candidate’s pay within the range will depend on their work location, skills, experience, education, and other factors permitted by law. This role may also be eligible for performance‑based bonuses subject to company policies. In addition, this role is eligible for the following benefits subject to company policies: medical, dental, vision, pharmacy, life, accidental death & dismemberment, and disability insurance; employee assistance program; 401(k) retirement plan; 10 days of paid time off per year (some positions are eligible for need‑based leave with no designated number of leave days per year); and 10 paid holidays per year.