Sr. Specialist, Mortgage Loan Closer

First National Bank of Omaha; Nebraska; Hybride; USD 45 000 - 73 000; Plein temps

Avantages offerts par ce poste

Medical

Dental

Vision Insurance

401k, With Matching Contributions

Time Off Programs

Health Savings Account (HSA)/Dependent

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Résumé du poste

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.

Responsabilités

• 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.

Connaissances

Communication

Attention to detail

Outils

Encompass LOS

Description du poste

At FNBO, our employees are the heart of our story-and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success. Summary of the Job: The Sr. Specialist, Mortgage Loan Closer creates complete, compliant, and accurate closing packages for 1st Mortgage loans. The role acts as a primary liaison between Mortgage Loan Officers, Settlement Agents, and Borrowers to validate fees, cross-reference data, and manage a pipeline of files under strict regulatory timelines. Additionally, this position will cross-train and be a back-up to the Initial Disclosure team.

About This Role

• 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.

Key Skills

• Attention to Detail: Absolute focus on precision, ensuring document accuracy and thorough monitoring of compliance parameters.
• Time Management: Strong organizational capability to manage closing queues.
• Critical Thinking: Systematic approach to synthesizing loan details, solving issues, and establishing closing facts.
• Adaptability: Flexibility to shift work priorities dynamically between closing responsibilities and disclosure desk back-up.

The Ideal Candidate for This Role

Required Qualifications

• Experience: 3-5 years of mortgage loan closing and disclosure experience within a high-volume financial institution.
• Technical Systems: Working knowledge of the Encompass Loan Origination System (LOS).
• Regulatory Mastery: Knowledge of TRID, RESPA, and TILA federal compliance guidelines.
• Loan Programs: Direct experience preparing closing paperwork for Conventional, VA, FHA, and State Bond programs.
• Communication: Excellent verbal and written communication skills to handle customer, vendor, and sales-team interactions.
• Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation

Compensation range (base pay): $45,320.00-$72,512.00 This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment

It is anticipated that the incumbent in this role will work remotely, offering you the freedom to contribute to our mission from wherever you work best, without compromising on career growth or connection to our team. Regardless of your location, you'll be fully integrated into our team through robust digital collaboration tools and regular communication. The incumbent can work remotely from any of the states listed on the job posting, though occasional travel may be required for in-person meetings. Please note, work location is subject to change based on business needs.

Benefits Overview

• Medical
• Dental
• Vision Insurance
• 401k, With Matching Contributions
• Time Off Programs
• Health Savings Account (HSA)/Dependent Care
• Employee Banking
• Growth Opportunities
• Tuition Assistance
• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

Job number: R-20261958

Equal Opportunity & Belonging

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves-no matter their role or where they are in their journey. Learn more here. FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

Grow Your Career with FNBO

Grow Your Career with FNBO! For 170 years, our holding company - First National of Nebraska (FNNI) - has grown to more than 4,500 employees with locations in nine states and $35 billion in assets. We are proud to serve our customers and communities with banking offices located in Nebraska, Colorado, Illinois, Iowa, Kansas, Missouri, South Dakota, Texas and Wyoming. FNBO (First National Bank of Omaha) believes that a bank should be a force for good in the world; to positively influence the lives of our employees, customers and the success of the communities we serve. Whether you're just beginning your career or taking it to the next level, you'll find your fit here.