Remote Mortgage Closer: TRID & Escrow Expert

First National Bank of Omaha; Nebraska; Hybrid; USD 45,000 - 73,000; Full time

Benefits offered by this job

Medical

Dental

Vision Insurance

401k, With Matching Contributions

Time Off Programs

Health Savings Account (HSA)/Dependent

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

First National Bank of Omaha is seeking a Sr. Specialist, Mortgage Loan Closer to create complete, compliant closing packages for 1st Mortgage loans and to serve as a primary liaison between Mortgage Loan Officers, Settlement Agents, and Borrowers.

You will process Initial and Final Closing Disclosures, verify fees, manage escrow accounts, and collaborate with settlement and title agents to finalize numbers.

Qualifications

• 3-5 years of mortgage loan closing and disclosure experience.
• Working knowledge of the Encompass LOS.
• Knowledge of TRID, RESPA, and TILA federal compliance guidelines.
• Direct experience preparing closing paperwork for Conventional, VA, FHA, and State Bond programs.
• Excellent verbal and written communication skills.
• Candidates must possess unrestricted work authorization and not require future sponsorship.

Responsibilities

• Complete Closings: Process Initial and Final Closing Disclosures (CD) in accordance with TRID and regulatory guidelines.
• Fee Verification: Validate all third-party service fees and loan details
• Escrow Management: Build precise escrow accounts utilizing accurate payment schedules, tax figures, and premium due dates.
• Partner Collaboration: Partner closely with settlement and title agents to finalize closing numbers and reconcile discrepancies.
• Verbal VOEs: Complete required verbal Verification of Employment checks within 10 calendar days of closing.
• Financial Funding: Calculate, verify, and transmit accurate wire originations to funding destinations.
• Document Review: Audit all "At Closing" documentation and conditions prior to packaging files for Post Closing and Servicing departments.
• Initial Disclosures Pipeline Support: Assist the Disclosure Desk by preparing and distributing Initial Disclosure packages- including the Loan Estimate (LE)-within TRID required timelines.

Skills

Communication

Attention to detail

Tools

Encompass LOS

Job description

First National Bank of Omaha is seeking a Sr. Specialist, Mortgage Loan Closer to create complete, compliant closing packages for 1st Mortgage loans and to serve as a primary liaison between Mortgage Loan Officers, Settlement Agents, and Borrowers.

You will process Initial and Final Closing Disclosures, verify fees, manage escrow accounts, and collaborate with settlement and title agents to finalize numbers.