Job Description

CLOSER

Are you ready to come home? At SN Mortgage Company our values serve as a compass for our actions and are the foundation of our culture

• We hire creative do-ers who get things done through innovative thinking and problem-solving acumen.
• We look for team members with the ability to question assumptions and offer solutions that turn potential problems into opportunities.
• We want natural leaders who show creativity, inspiration and Imagination in everything they undertake.
• We look for people with world-class experience, skills and enthusiasm to round out our teams.
• SN Mortgage Company attracts winning team players who consistently demonstrate an inclusive but independent approach to problem solving and pipeline building.
• We want team members who are focused on making an impact in the community. We focus on helping customers build generational wealth through home ownership and through community outreach initiatives.

SN Mortgage Company is currently hiring for the position of Mortgage Loan Closer in the Mid-Atlantic region.

ESSENTIAL DUTIES AND RESPONSIBILITIES:  

The Closer is responsible for reviewing loan data in the LOS for compliance, completeness and accuracy, and for updating the data to match the final underwrite of the loan. Duties include:  

• Obtain missing information and prepare files.
• Final calculations.
• Prepare and issue the closing disclosure (CD), including initial, final and corrective.
• Review and prepare credit and legal documentation packages for delivery.
• Ensure closed loan packages are delivered by deadline.
• Correspond with title companies, to include coordinating and scheduling closings.
• Balance CD with the title agent.
• Maintain open lines of communication with all parties to obtain loan status information.
• Provide support to internal and external customers.
• Prepare wire breakdown and place wire order.
• Review and update LOS with final data.
• Coordinate and assist to resolve issues that affect all parties involved.

EDUCATION AND/OR WORK EXPERIENCE REQUIREMENTS:

• 2 years of loan closing/funding experience in residential mortgage is preferred.
• Working knowledge of CD’s, FHA, VA, FNMA, and FHLMC guidelines, along with title commitments, hazard and flood insurance policies.
• Experience and knowledge of RESPA/TRID laws, disclosure timing and APR rules.
• High School Diploma required; Bachelor’s degree is a plus

SKILLS:

• Good communication skills, including spelling and grammar.
• Aptitude for self-development and learning.
• Strong mathematical skills.
• Detailed knowledge of FHA/VA/USDA loan documents, credit documents and insurance documents.
• Average understanding and proficiency with MS Excel reporting and spreadsheets.
• Strong planning and organization skills, to include strong attention to detail and the ability to multi-task, prioritize and complete a high volume of tasks and projects with minimal supervision.
• React with appropriate levels of urgency and awareness to deadlines and situations/events that require quick response or turnaround.
• Demonstrated ability to work in a team environment.
• High level of integrity, ethics, discretion and professionalism in handling confidential and sensitive information

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