Mortgage Pre-Closer

Metro Credit Union; Chelsea (MA); Hybrid; USD 28,000 - 36,000; Full time

Benefits offered by this job

Hybrid work schedule

Job summary

Metro Credit Union is seeking a Mortgage Pre-Closer to ensure mortgage and home equity transactions progress to closing with precise, complete information. You will coordinate with borrowers, branch partners, and closing attorneys to keep files moving and reduce risk, while learning mortgage operations and contributing to a member-centric closing experience.

The role emphasizes attention to detail, fast-paced organization, and professional communication as part of a collaborative team in a

Qualifications

• Strong organizational skills and attention to detail.
• Ability to work independently with limited supervision and collaborate with a team when needed.
• Ability to manage priorities in a fast-paced, deadline-oriented environment.
• Clear verbal and written communication skills.
• High school diploma or equivalent preferred.

Responsibilities

• The completeness and accuracy of assigned mortgage and home equity files before closing-document preparation.
• Timely collection and validation of insurance, employment, credit, payoff, and scheduling information.
• Coordination of home equity closings with borrowers and branch partners.
• Clear communication and follow-up with closing attorneys.
• Monitoring of the mortgage closing inbox for new scheduling activity.
• Accurate system updates that provide visibility into upcoming closings.
• Obtain current insurance binders and confirm required hazard insurance coverage.
• Complete verbal verifications of employment for borrowers within required timeframes.
• Pull final credit report inquiries at least seven days before closing and ensure the final invoice is included in the file.
• Coordinate home equity closing dates with borrowers and branches and record the closing date in the system.
• Obtain payoff information for home equity transactions.
• Send scheduling sheets to closing attorneys once required documentation has been received.
• Follow up with closing attorneys to support timely delivery and prevent avoidable closing delays.
• Monitor the mortgage closing inbox for newly received scheduling sheets.
• Assist with additional Mortgage Operations responsibilities as assigned by management.

Job description

Why This Role Exists

A successful mortgage closing starts well before the closing documents are prepared. The Mortgage Pre-Closer helps ensure mortgage and home equity transactions reach the closing stage with accurate, complete, and timely information.

In this role, you will help identify and resolve missing pre-closing requirements, coordinate with borrowers and business partners, and keep transactions moving toward closing. Your attention to detail and sense of urgency will support an efficient closing experience for our members while helping Metro manage operational and documentation risk. At Metro, this role offers the opportunity to contribute directly to an important moment in the member's lending experience. You will work with teammates and business partners across the closing process, develop practical mortgage operations knowledge, and see how accurate, timely pre-closing work helps transactions move forward successfully.

What You'll Own

• The completeness and accuracy of assigned mortgage and home equity files before closing-document preparation

• Timely collection and validation of insurance, employment, credit, payoff, and scheduling information

• Coordination of home equity closings with borrowers and branch partners

• Clear communication and follow-up with closing attorneys

• Monitoring of the mortgage closing inbox for new scheduling activity

• Accurate system updates that provide the Mortgage Closing Manager with visibility into upcoming closings

What You'll Do

• Obtain current insurance binders and confirm that required hazard insurance coverage is in place.

• Complete verbal verifications of employment for borrowers within required timeframes.

• Pull final credit report inquiries at least seven days before closing and ensure the final invoice is included in the file.

• Coordinate home equity closing dates with borrowers and branches and record the closing date in the system.

• Obtain payoff information for home equity transactions.

• Send scheduling sheets to closing attorneys once required documentation has been received.

• Follow up with closing attorneys to support timely delivery and prevent avoidable closing delays.

• Monitor the mortgage closing inbox for newly received scheduling sheets.

• Assist with additional Mortgage Operations responsibilities as assigned by management.

Success Looks Like in 12 to 18 Months

• Assigned files consistently reach the closing-document stage with required pre-closing information complete and accurate.

• Insurance coverage, employment verifications, credit inquiries, invoices, and payoff information are obtained within applicable timeframes.

• Home equity closings are coordinated clearly with borrowers and branches.

• Closing attorneys receive complete scheduling information with timely follow-up.

• Closing dates and file activity are accurately recorded, giving management reliable pipeline visibility.

• Potential documentation issues are identified early and escalated appropriately.

• Members and internal partners receive responsive, professional service throughout the pre-closing process.

You'll Love This Role If...

• You enjoy organizing detailed information and making sure nothing important is missed.

• You take pride in accurate work and understand how small details can affect a closing.

• You work well in a fast-paced, deadline-oriented environment.

• You are comfortable following up with borrowers, branches, insurance agents, and closing attorneys.

• You can work independently while contributing to a collaborative team.

• You remain focused, dependable, and professional when priorities change.

AI Expectations

You will be encouraged to use Metro-approved AI tools responsibly to improve efficiency and consistency in appropriate administrative work, such as organizing information, refining routine communications, and identifying items that require follow-up. AI should support the work, while employee review, sound judgment, privacy requirements, and established mortgage procedures remain central.

Required Qualifications

• Strong organizational skills and attention to detail

• Ability to work independently with limited supervision and collaborate with a team when needed

• Ability to manage priorities in a fast-paced, deadline-oriented environment

• Clear verbal and written communication skills

• High school diploma or equivalent preferred

Preferred Qualifications

• Up to one year of related mortgage, banking, lending, administrative, or operational experience

• Experience reviewing documentation for completeness and accuracy

• Experience coordinating time-sensitive work with customers and internal or external business partners

Benefits, Hybrid Eligibility, and Compensation

Hybrid Policy Eligibility

• Minimum days in office per week: 3 (Tuesday and Wednesday required).

Compensation Disclosure

$20.00 – $26.00 per hour.

The salary range listed provides a general expectation for the role. Final compensation is based on experience, unique strengths, and the impact you are expected to make. Metro also offers a competitive benefits package and additional perks that contribute to total compensation. This position is not eligible for visa sponsorship.

Our Benefits

We believe great work starts with supporting our people. That's why we offer a competitive and well-rounded benefits package designed to support your health, financial well-being, career growth, and work-life balance. From medical, dental, and vision coverage to retirement savings, paid time off, learning opportunities, and employee wellness resources, we invest in helping our employees thrive both at work and beyond.

Click here to learn more about our benefits package and employee perks.

Ready to Make an Impact?

At Metro Credit Union, we believe our employees are our greatest asset. We are committed to creating a work environment where you can thrive professionally while maintaining work-life balance. From comprehensive benefits and competitive compensation to opportunities for growth and development, we invest in your success. Join a team where your work makes a real difference in protecting our members and strengthening our community.

About Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.4 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program.

Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos ("Together We Advance") designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman's Best of 2025 awards; and recognized as one of America's Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.