Location – Circleville, Ohio

Job Area – Mortgage Lending

Employment Type – Full-time

FLSA Classification – Non-Exempt

Primary Schedule – Monday - Friday

Supervisory Responsibility – None

Travel – None

The Mortgage Closing Processor facilitates all aspects of the closing and post-closing process, for accuracy and completeness.

Closing Duties and Responsibilities

· Ensure all conditions have been satisfied prior to setting the closing date.

· Set the closing date with title companies and borrowers.

· Validate all lender and third party fees and disbursements.

· Prepare and send closing documents.

· Prepare and send closing disclosures and ensure its accuracy based on TRID required wait period.

· Understand Bank, investor, agency and government products, programs and services.

· Understand and follow Bank policies and procedures.

· Communicate closing status with mortgage consultants, realtors, builders and bank partners as needed.

· Orders wires and fund loans.

· Serve as back-up to Loan Processor to advance loans through the pipeline as needed.

Post-Closing Duties and Responsibilities

· Ensure the property data is complete and accurate and the Note and Security Instrument are compliant with Fannie Mae/Freddie Mac requirements as deliverable documents.

· Submit case FHA VA case binders for review/approval.

· Ensure all closed loans are delivered according to investor lending policies by validating and verifying all information before file delivery; making sure credit and collateral are documented accurately throughout the file and associated systems.

· Assist in effectively communicating with investors to satisfy all post-closing and post-purchase audit discrepancies.

· Communicate any discrepancies found within a closed loan file with the Mortgage Loan Processor or Loan Officer and coordinate solutions for resolution.

· Retrieve all trailing documents from settlement agencies and county clerks' offices, ensure they are in compliance and deliver the investor within required time frames.

· Satisfy all internal and external audit requests within required time frames.

Qualifications/Experience

· 2+ years experience closing and/or processing conventional, FHA, VA and FNMA loans preferred 

· Knowledge of Reg B (ECOA), Reg C (HMDA), Reg X (TRID) and Reg Z (TILA) preferred

· Detail orientated to review information and documents for accuracy.

· Demonstrate strong communication and interpersonal skills, collaboration, and organization skills.

· Ability to prioritize and effectively manage time to meet deadlines.

· Positive attitude in an open, team environment, ability to adapt to change and work with others.

· Experience with Mortgage and/or Consuming Lending Software preferred

· High School diploma or GED equivalent 

*This job description is not intended to cover or contain a comprehensive listing of activities, duties, or responsibilities required of employees in this position. Further, this job description should not be considered an employment contract. All employment is employment-at-will. We reserve the right to modify job duties or descriptions at any time.