Residential Lending Closing Specialist

Penn Community Bank; Perkasie (Bucks County); Hybrid; USD 42,000 - 62,000; Full time

Job summary

Penn Community Bank in Perkasie, PA is seeking a detail‑oriented Mortgage Closings Specialist to prepare closing documents for mortgage, equity and consumer loans, ensuring accuracy of terms, vesting and lien positions.

You will coordinate with title vendors, transmit documents to the signing notary, monitor compliance alerts, and support operations with timely production tasks in a hybrid office setting.

Qualifications

• High school diploma or equivalent required.
• Minimum of two years’ experience in a customer service environment.
• One to two years’ experience in mortgage closings and title required.
• Encompass Loan Origination System experience preferred.

Responsibilities

• Prepare closing paperwork for mortgage, equity, and consumer loans.
• Manage system-generated file alerts for QM/ATR and disclosure tracking.
• Partner with QC and title review teams to verify closing terms and lien positions.
• Serve as liaison to title vendors for mortgage payoffs and title issues.
• Transmit closing documents to the signing notary with clear instructions.
• Provide production support as needed.

Skills

Phone etiquette

Written and oral communication

Organizational skills

Time management

Microsoft Office familiarity

Education

High school diploma or equivalent

Tools

Encompass LOS

Microsoft Office

Job description

Essential Functions

• Prepare closing paperwork for mortgage, equity, and consumer loans.
• Manage any system generated file alerts to ensure compliance in the areas of QM/ATR and/or federally mandated disclosure tracking issues (communicating any/all issues to leadership with urgency).
• Partner with internal QC and document review partners to confirm the accuracy of the closing documents generated (terms, vesting, lien position, etc.).
• Act as a liaison to title vendors, ensuring conveyance steps are handled properly (mortgage payoffs, addressing title encumbrances, etc.).
• Transmit closing documents on time, and with appropriate instructions, to the notary conducting the signing appointment.
• Handle other production support duties as assigned.

Compliance

Comply with all applicable regulations and Bank policies regarding employment and employment law.

Participate in annual compliance and other job-related training.

Comply with applicable bank regulations, Bank policies and procedures.

Comply with Bank’s internal privacy and ethics standards.

Relationships and Contacts

Internal: Reports to the Director of Retail Operations.

Frequent interaction with Operations staff, Underwriters, Mortgage Loan Officers, Sales Managers, Branch Managers, and back-office personnel.

External: Frequent interaction with borrowers, title companies and vendors.

Education and Experience

• High school diploma or equivalent required
• Minimum of two (2) years’ experience in a customer service environment.
• Minimum of one to two years’ experience in mortgage closings and title experience required.
• Encompass Loan Origination System experience preferred.

Skills and Competencies

• Excellent phone etiquette
• Excellent written and oral communication skills
• Strong organizational and multi taking skills
• Strong time management skills with the ability to hit deadlines
• Familiarity with Microsoft Office

Working Conditions

Traditional office environment with ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday - Friday) with operational hours of 8:00am - 5:00pm.

Physical Demands

• Lifting/carrying up to 10 lbs.
• Manual dexterity for computer work
• Speaking, hearing, and vision are required to perform essential functions

Penn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.

Penn community Bank is an equal opportunity employer.

Thank you for your interest in joining the Penn Community Bank Team!

Penn Community Bank holds $3 billion in assets, employs more than 300 people, and offers banking and lending services at financial centers throughout southeastern Pennsylvania. As an independent, mutual financial institution, Penn Community Bank is not publicly traded and operates with its long-term mission in mind: to help businesses grow and prosper, to provide financial resources to individuals and families throughout their lifetimes, to strengthen the local economy, and to partner with local organizations to act as a catalyst for positive growth in every market it serves.