Mortgage Loan Closer I

careers-greenstate; North Liberty (IA); On-site; USD 33,000 - 38,000; Full time

Job summary

GreenState Credit Union is seeking a mortgage closing specialist to prepare, review, and process wire transactions and mortgage payoff disbursements. The role ensures accuracy, compliance with investor requirements, and fraud prevention while supporting closing teams and borrowers.

Candidates should have strong attention to detail, excellent communication, and the ability to manage high-volume workloads. This position reports to the Supervisor Mortgage Closing and offers an hourly pay range with

Qualifications

• High school diploma or GED required.
• Attention to detail and accuracy.
• Ability to handle high-volume workload.
• Bondability required.
• Excellent communication skills.

Responsibilities

• Prepare, review, and process closing-related wire transactions and mortgage payoff disbursements.
• Ensure compliance with company policies, investor requirements, and fraud prevention procedures.
• Support closing teams with accurate funding and lien payoff.
• Review loan files, funding packages for completeness and data integrity, required documentation, approval signatures, and closing conditions prior to funding.
• Prepare, review, and distribute Closing Disclosures (CDs), redisclosures, escrow statements, payoff requests, and other mortgage documents.
• Initiate, verify, reconcile, and track wire transfers, loan proceeds, payoffs, and disbursements; communicate funding status to stakeholders.
• Maintain regulatory compliance and perform administrative support to senior closing staff.

Education

High school diploma or equivalent

Job description

Position Summary

This role is responsible for preparing, reviewing, and processing closing-related wire transactions and mortgage payoff disbursements, while ensuring compliance with company policies, investor requirements, and fraud prevention procedures. This role supports closing teams by ensuring funds are accurately wired and existing liens are properly paid following loan closing.

GREENSTATE CULTURE:

At GreenState,ourpurpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success—now andin the future—isdeeplyrooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment tolivingour values is what brings our mission to life.

Pay range for this hourly position is $23.61 - $27.60/hr with a progressive benefits package.

Essential Duties and Responsibilities

• Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision.
• Demonstrates a positive member service (internal and external) focus at all times.
• Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
• Ensures confidentiality of member information.
• Supports a diverse and inclusive work environment.
• Participates in mortgage closing activities by supporting borrowers, settlement agents, title companies, and internal loan teams to ensure timely and accurate funding.
• Reviews loan files and funding packages to verify completeness, data integrity, required documentation, approval signatures, and routine closing conditions prior to funding.
• Prepares, reviews, and distributes closing documents, Closing Disclosures (CDs), re-disclosures, escrow statements, payoff requests, and other required mortgage documentation.
• Initiates, verifies, reconciles, and tracks wire transfers, loan proceeds, payoffs, and disbursements while following fraud prevention and wire verification procedures.
• Communicates funding status, wire confirmations, and closing updates to settlement agents, title partners, and internal stakeholders.
• Processes payoff transactions, closing fees, invoices, disbursement checks, and general ledger (GL) entries while ensuring accurate financial reconciliation.
• Supports title ordering, documentation review, and discrepancy resolution by identifying missing information and escalating issues as appropriate.
• Ensures compliance with state, federal, investor, and credit union regulations, including accurate re-disclosures for changed circumstances, rate adjustments, and fee updates.
• Maintains operational efficiency by supporting high-volume workflows, assisting with unclaimed property research, and providing administrative support to senior closing staff.
• Participate in community involvement activities and perform additional mortgage-related duties, projects, and cross-functional support as assigned.

Job Requirements/Expectations

• High school diploma or equivalent (i.e. GED)
• Interpersonal skills to represent the Credit Union in a positive way during member contact.
• Interpersonal skills necessary to gather data from a number of sources and to represent the Credit Union positively during such contacts.
• Ability to provide quality service to members by phone or in person or by email.
• Ability to develop and maintain effective working relationships with co-workers.
• Ability to prioritize assignments and organize work efficiently, to handle large volumes of details.
• Ability to operate related computer applications, on-line terminal and other standard office equipment such as a calculator and typewriter.
• Accuracy and attention to detail required.
• Lending policies and Real Estate knowledge helpful.
• Demonstrates reliable attendance by arriving on time, fulfilling scheduled work hours, and working additional hours as needed to support business demands.
• Must be bondable.

Reporting Relationship

This position reports to the Supervisor Mortgage Closing.

Supervisory Responsibilities

This position is not responsible for the supervision of others.

Equal Opportunity Employment Statement

GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union.