Mortgage Loan Closer

Mortgage Loan Closer

Position Summary : Responsible for closing of all secondary and in-house mortgage loans.

GreenState Culture : At GreenState, we exist to create lasting value for those we serve. We do this by putting immense value into our employees, members and communities. We empower our employees to create endless opportunities, which will then impact the lives of our members and enhance the vitality of our communities. Pay range for this hourly position is $26.02 - $30.42 / hr with a progressive benefits package. This is a fully remote opportunity. Closing experience in the state of Illinois is preferred.

Essential Duties and Responsibilities : Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change. Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision. Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival. Consistent usage of the members name during contact and always thanking them for their business. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities. Ensures confidentiality of member information. Supports a diverse and inclusive work environment. Plays a vital role in enriching the community by participating in community service organizations and / or Credit Union sponsored events on an annual basis. Builds and maintains relationships in the real estate community, which includes but is not limited to realtors, attorneys, abstractors, and insurance companies. Fields and returns phone calls / emails from borrowers regarding their mortgage loan. Schedules closings with members and all other involved parties in the absence of the MLO or Mortgage Associate. Orders final inspections, flood determinations, when necessary, verification of employment, verification of mortgage or rents and other documents necessary to support the loan application and ensure complete documentation of the loan file. Orders the necessary title work through abstract / title companies and attorneys office. This would include but is not limited to (abstract update, 900 / 901 searches, buyers searches and day of closing searches). Reviews and verifies title work is clear to close and works with all parties involved to clear title objections. Orders and reviews both the compliance report and fraud report for accuracy and discrepancies and makes any necessary corrections. Submits file information to automated underwriting system when necessary and verifies accuracy of the findings. Organizes documents in appropriate order in the LOS system and submits final applications to underwriting for approval when necessary. Follows up on any prior to docs and closing conditions for secondary market and in-house loans. Verifies accuracy of homeowners insurance and flood insurance if applicable (personal and association) and requests mortgagee clause change prior to closing.