Mortgage Loan Closer

We are looking for a Mortgage Loan Closer to join our Mortgage Loan Processing team. This position plays a key role in supporting the mortgage lending process by ensuring the accurate and timely delivery of all required loan disclosures throughout the life of the mortgage application. This position is responsible for coordinating information preparing disclosures and supporting reporting needs to ensure regulatory compliance and exceptional borrower experience.

The Closer works closely with Mortgage Loan Officers Mortgage Loan Processors Mortgage Loan Underwriters Loan Servicing Compliance and third-party vendors to obtain required documentation disclose loans appropriately and support the efficient and compliant flow of mortgage applications from origination through closing. Attention to detail strong communication skills and the ability to manage multiple deadlines are critical to success in this role.

Primary Responsibilities

• Prepares all documents needed to close and fund a loan and protects the banks security interest using the information supplied by the Mortgage Loan Officer (MLO) and Mortgage Loan Processor.
• Prepares required loan documentation including but not limited to: withdrawn denied approved but not accepted or incomplete letters; non-originated packets; final fees and preliminary documentation for borrower; and loan modification documents.
• Manages timing and delivery method requirements for disclosures throughout the loan process.
• Finalizes the eFolder ensuring all documents are obtained and in assigned placeholder confirms closing conditions have been met; prepares and sends closing package to title; confirms closing funds to title; core interface setup and runs internal transactions.
• Completion of required HMDA data for reporting purposes.
• Balance appraisal flood and secondary income general ledgers as assigned monthly.
• Assist with rate locks commitments and manage pools to Freddie Mac Fannie Mae or other investors.
• Reviews loan fees prepares and sends TRID related borrower disclosures.
• Confirm funding/wire amount with title and send the wire/transfer funds on the day of loan disbursement
• Run any internal transactions required (loan activation payoff of CCF loans booking of CCF fees etc.) on day of funding/disbursement.
• Complete the processing of the loan and forwards to Loan Servicing for timely delivery to the investor.
• Maintains a close working relationship and corresponds with multiple real estate industry professionals so that all parties can work together to find solutions for problems that may arise during processing.
• Assures compliance with all Bank policies procedures and processes and all applicable state and federal banking laws rules and regulations; adheres to applicable Bank Secrecy Act (BSA) responsibilities.
• Performs other duties as assigned.

Qualifications

• Associates degree in accounting finance economics or related field.
  • Substitution: wo (2) years of directly related to full-time experience performing the essential functions outlined above may be considered in lieu of the degree.
• Two (2) years of experience in the financial services industry.
• Two (2) years of experience working in loan processing or customer service.
• In evaluating candidates for this position CCFBank may consider a combination of education training and experience which provides the necessary knowledge skills and abilities to perform the duties of this position.

Whats in it for you

• Full Time 40 hours per week.
• Monday Friday work week.
• Competitive Pay.
• Eligible for an annual bonus based on company goals and performance.

Perks:

• Health Vision & Dental Plans
• Health Savings Account (HSA) with CCF Contributions
• Employer Paid Life Insurance and Long Term Disability Plans
• Voluntary Life Insurance and Short Term Disability Plans
• Accident Critical Illness and Hospital Indemnity Plans
• Benefits Care Advocate
• Flexible Spending Account
• Health Reimbursement Arrangement (HRA)
• 401K Retirement Plan and Company Match
• Paid Time Off and Paid Holidays
• Time Off for Bereavement Leave Parental Leave and Voting
• Paid Time Off Donation
• Paid Time Off Cash Out
• Company-Wide Wellness Program
• Employee Assistance Program (EAP)
• Colleague Referral Program
• Education Reimbursement Program
• Career Planning
• Remote Work Arrangements
• Colleague Pricing on Secondary Market Mortgage Loans
• Colleague Beyond Save & Spend Accounts Perks
• Discount Program

What can you expect from us

At CCFBank you are more than just a number you are a partner to our team. We are dedicated to investing in our colleagues and providing them with tools they need to grow and develop their careers.

We prioritize the needs of our community by allocating resources and encouraging colleague involvement across the regions we operate in. We are proud to be a part of our local communities and we look forward to continuing to support and serve them.

Learn more here about how we make more possible:

Ready to be part of our financial family Apply online at !

If you need assistance applying contact us at and we will attempt to meet your needs.

In evaluating candidates for this position CCFBank may consider a combination of education training and experience which provides the necessary knowledge skills and abilities to perform the duties of this position.

CCFBank is committed to fostering and cultivating an inclusive and diverse culture and we are proud to be an Equal Opportunity Employer including disability and veterans.