Senior Mortgage Closing Specialist

First Citizens Bank; Columbia (SC); Hybrid; USD 60,000 - 85,000; Full time

Job summary

First Citizens Bank in Columbia, SC is seeking a Mortgage Closing Specialist for a hybrid role. You will prepare and review closing documents, verify investor guidelines compliance, and coordinate with settlement agents to meet deadlines.

You will manage loan packages, reconcile items, and support the closing process with strong communication and meticulous attention to detail.

Qualifications

• Bachelor's degree required or equivalent experience in mortgage closing.
• 2+ years of mortgage closing experience with a high school diploma or GED.
• Strong attention to detail and excellent written/verbal communication.

Responsibilities

• Documentation: generate, evaluate, and validate closing docs for accuracy and compliance.
• Closing paperwork: manage ready-to-close loan packages and meet deadlines.
• Loan support: gather missing documents and coordinate with parties; advise on loan matters as needed.
• Payment processing: review closing fee checks and prepare GL entries.

Skills

Communication (Written & Verbal)

Detail oriented

Mortgage Closing

Education

Bachelor's Degree

High School Diploma or GED w/ 2 years mortgage closing experience

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.

Responsibilities & Qualifications

Duties & Responsibilities:

• 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.