Remote-Eligible Mortgage Closing Specialist

First Commonwealth Bank; Hudson, Northern (OH, KY); Hybrid; USD 52,000 - 66,000; Full time

Job summary

First Commonwealth Bank is seeking a Mortgage Closing Specialist to coordinate loan transitions from processing to closing and to ensure compliance with RESPA, lender, and investor guidelines. You will verify disclosures, review title and tax information, and deliver closing documents to settlement agents.

The role requires attention to detail, strong communication, and experience with mortgage processing systems.

Qualifications

• High school diploma or equivalent required; associate’s degree preferred.
• 1 year of mortgage lending or related experience required.
• Attention to detail, strong communication, and organizational skills are essential.
• Knowledge of RESPA guidelines.
• Not on Freddie Mac Exclusionary List/EPLS, not restricted from HUD programs.
• Telecommuting may be eligible.

Responsibilities

• Facilitates the smooth transition of loans from processing to closing by coordinating with First Commonwealth Mortgage production staff and settlement companies/attorneys.
• Reviews Loan Registration Confirmations against Underwriting Approvals for rates, products, and terms.
• Reviews closing instructions for accuracy and compliance with federal, state, investor, and company guidelines.
• Requests and reviews HUD-1 Settlement Statements to ensure RESPA compliance and communicates necessary corrections.
• Reviews homeowners’ insurance to ensure adequate coverage for property and loan type.
• Contacts settlement companies/attorneys for title commitments and tax information.
• Verifies borrower and property information on title commitments and in LOS.
• Calculates initial escrow requirements in LOS and provides escrow amounts to settlement companies/attorneys.
• Provides processors with the cash due at closing and determines final HUD-1 approvals.
• Delivers closing documents electronically and confirms closings occur as scheduled; updates loan tracking status.
• Registers new mortgage loans in MERS.
• Ensures closed loan packages are received and complete before delivery to the Loan Funder/Shipper.

Skills

Attention to detail

Communication

Organization

Math skills

Education

High school diploma or equivalent

Associate’s degree preferred

Tools

MERS

LOS

HUD-1

Job description

First Commonwealth Bank is seeking a Mortgage Closing Specialist to coordinate loan transitions from processing to closing and to ensure compliance with RESPA, lender, and investor guidelines. You will verify disclosures, review title and tax information, and deliver closing documents to settlement agents.

The role requires attention to detail, strong communication, and experience with mortgage processing systems.