Mortgage Loan Closer II

Mortgage Loan Closer II

Close mortgage loans according to all legal and regulatory guidelines related to the mortgage loan industry. Improve customer service by closing all loans in a timely manner.

Essential duties and responsibilities :

• Answer incoming phone calls and answer customer questions regarding mortgage loans.
• Close mortgage loans which includes sending closing instructions, coordinating with the title company and customer to schedule closing, balancing the Closing Disclosure, preparing closing documents and funding the loan.
• Correspond with customer, real estate agents, appraisers, and title companies as needed, to obtain information necessary to getting the mortgage loan ready to close.
• Preparing of month end reports to various bank and regulatory agencies. Work directly with the Mortgage Loan Officer to ensure the utmost in customer service.
• Refer customers to other bank personnel as needed.
• Data entry to Bankway in balancing daily general ledger accounts to Closing Disclosure.
• Identify cross selling opportunities.
• Completes required BSA / AML training and other compliance training as assigned.
• The ability to work in a constant state of alertness and in a safe manner.
• Perform any other related duties as required or assigned.

Qualifications :

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required.

Education and experience : Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 4 years related experience and / or training, and 7 to 11 months related management experience, or equivalent combination of education and experience.

Communication skills : Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.

Mathematical skills : Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

Critical thinking skills : Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.

Software skills required : Intermediate : 10-Key, Accounting, Alphanumeric Data Entry, Word Processing / Typing. Basic : Contact Management, Database, Spreadsheet.

Working conditions :

Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

Environmental conditions : The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Physical activities :

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Highly repetitive, low physical. Highly repetitive type of work which requires concentration in the performance of tasks for consistent time cycles as prescribed by the tasks. While performing the functions of this job, the employee is continuously required to talk or hear; regularly required to sit, use hands to finger, handle, or feel, reach with hands and arms; frequently required to stand, walk; and occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and / or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Additional information :

High school diploma or its equivalent. 1+ years of mortgage loan closing experience required, 2+ years preferred. 1 year hands on experience closing Conventional, FHA, VA, RD, and ADFA loans preferred. 1 year experience with Encompass Anywhere preferred. 2+ year experience using personal computers. Experience using Microsoft Office Products. Proficient telephone and customer service skills. Ability to sit for long periods. Be able to lift 15 lbs. Ability to multi-task.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.