Job Description

POSITION SUMMARY: Perform all procedures required for efficient and accurate closing of all types of residential loans. Work with Loan Officers and Closing Agents to schedule loans in a timely manner. Provide courteous and cooperative support to customers, both internal and external.

RESPONSIBILITIES:

Process documentation and data management for loans such as:

·         Complete a Quality Control check on each file closing to ensure data integrity is correct.

·         Understand investor closing requirements for specialty closing situations, ie. Trusts, Powers of Attorney, etc.

·         Verify all the necessary fees and invoices are in file for complete disclosure.

·         Review Loan Estimate (LE) disclosures for compliance to TRID and RESPA, including Change of Circumstance (COC) to ensure valid increases.

·         Enter loan data completely and correctly into the loan origination system (Encompass) ensuring the Closing Disclosure (CD)  disclosures are accurate and complete

·         Prepare the preliminary and final CD in accordance with RESPA, TILA and TRID requirements.

·         Ensure loan passes all compliance tests prior to issuing a closing package.

·         Ensure the CD is sent out within the required time frame to ensure a timely closing.

·         Communicate effectively with Closing Agents regarding any changes that may be required prior to closing.

·         Produce and send a closing package in accordance with loan and property type, meeting compliance requirements.

·         Assist post closing with insuring, final docs if required.

·         Perform required regulatory testing and retain documentation of results in each loan file

·         Updating of various reports for accounting and secondary.

·          Provide exceptional customer service and timely responses in support of internal and external customers.

·         Strict adherence to all state and federal regulations and company policies and procedures as stated in the loan policy manual, including confidentiality and security.

·         Assume additional responsibilities as required or requested by management.

Maintain loan files, ensuring that they are complete and in compliance including but not limited to:

·         Closing documentation

·         Credit documentation

·         Customer information

·         Appraisal data

·         Regulatory compliance forms & disclosures

·         Regulatory testing

·         Insurance requirements, which may include flood, hazard, PMI, etc.

KNOWLEDGE, SKILLS, REQUIREMENTS:

•         3 years or more Mortgage Loan Closing experience closing or post closing Conventional, FHA, VA, and USDA loans

•         Able to strictly follow instructions, policies, procedures, and confidential protocol.

•         Adhere and comply with all applicable Federal and State regulations, as well as company policies and procedures.

•         General banking knowledge.

•         Well-developed verbal and written communication skills.

•         Solid computer skills including Encompass, Outlook, Microsoft Word, and Excel applications.

•         Attention to detail, ability to meet deadlines.

•         Ability to work independently, and closely and harmoniously with others in a fast-paced environment.

•         Ability to work an 8 hour day (8am to 5pm, 8:30am to 5:30pm, 9am to 6pm) (One hour lunch & two 10 minute breaks)

•         Ability to work efficiently from home, if needed.

•         Excellent customer service skills.

PHYSICAL DEMANDS AND CONDITION REQUIREMENTS:

•         General office environment.

o   Sitting for long periods of time

o    Working in a cubicle setting with groups of 4 or more

EQUIPMENT USED:

•         General office equipment, i.e., calculator, photocopier, etc.

•         Computer

ADA: The employer will make reasonable accommodations in compliance with the Americans with Disabilities Act of 1990.

Company Description

Since 2005, GoPrime Mortgage, Inc. has provided best-in-class mortgage service and flexible products with a focus on local service and community engagement. Headquartered in Apex, N.C., GoPrime’s company culture has contributed to steady growth and profitability in an otherwise turbulent industry. Veteran-owned and led by an award-winning executive leadership team, GoPrime Mortgage, Inc. is an agile business with long-term, dedicated employees who focus every day on service, innovation, teamwork and accountability. Helping customers enjoy the pride that comes with homeownership and financial stability, GoPrime serves individuals and communities in 30 states across the country. For more information, please visit www.goprime.com for branch information.