Senior Mortgage Closing Specialist

First Citizens Bank; Columbia (SC); Hybrid; USD 65,000 - 85,000; Full time

Job summary

First Citizens Bank is seeking a Mortgage Closing Specialist for a hybrid role in the Columbia area. You will prepare closing documents for title or escrow companies, review loan files for accuracy and compliance, and input data into loan origination systems.

The position supports a pipeline of ready-to-close loans and requires coordinating with attorneys and settlement agents. Ideal candidates hold a Bachelor’s Degree (or GED with 2 years in mortgage closing), have knowledge of title insurance,

Qualifications

• Must have Bachelor's Degree or a High School Diploma/GED with 2 years in mortgage loan closing.
• Knowledge of title insurance policies is preferred.
• Experience using Encompass loan origination software is preferred.
• Strong attention to detail and communication skills.

Responsibilities

• Prepare closing documents for title or escrow companies and ensure accuracy and compliance.
• Manage pipeline of ready-to-close loans and deliver closing packages on time.
• Receive and inventory closed loan packages; gather missing documents and coordinate with parties.
• Review and process closing fee checks and forward ledger guidance to accounting.

Skills

Communication

Detail oriented

Mortgage Closing

Education

Bachelor's Degree

High School Diploma or GED

Tools

Encompass

Job description

Overview

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position prepares closing documents to be provided to title or escrow companies. Reviews documents in loan files or records for accuracy, completeness, and compliance, and inputs information into loan origination systems. Verifies funding amounts, issues funding authorization or wire instruction, and reconciles amounts to various general ledger accounts.

Overview

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position prepares closing documents to be provided to title or escrow companies. Reviews documents in loan files or records for accuracy, completeness, and compliance, and inputs information into loan origination systems. Verifies funding amounts, issues funding authorization or wire instruction, and reconciles amounts to various general ledger accounts.

Responsibilities & Qualifications

• Documentation - Generates, evaluates, and validates accuracy of closing documentation prior to sending to settlement agent. Calculates aggregate escrows and corresponds with settlement agent. Reviews HUD-1 settlement statements, hazard insurance policy, title binders, security instruments, and tax records for accuracy. Verifies that documentation is compliant with investor guidelines, legal guidelines, and Bank policy.
• Closing Paperwork - Manages a pipeline of ready-to-close loans ensuring that closing packages are delivered prior to any closing deadlines.
• Loan Support - Receives and inventories closed loan packages from attorneys. Sources, compiles, and reviews any missing loan documentation or information from parties involved in the loan process. Provides regular communication regarding corrections and loan status. May provide direction or guidance on advanced loan matters to less experienced associates.
• Payment Processing - Reviews closing fee checks and ensures that checks are made payable to the appropriate parties. Prepares the general ledger guide sheet and forwards to accounting.

Position Specific Skills

• Communication (Written and Verbal)
• Detail oriented
• Mortgage Closing

Qualifications

Bachelor's Degree

-OR-

High School Diploma or GED and 2 years of experience in Mortgage loan closing

Preferred Experience: Detailed knowledge of title insurance policies, experience working with Encompass

Preferred Skills: Strong attention to detail and communication skills.

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.