Closer/Funder

Texans Credit Union•Richardson, TX

54d

About The Position

This position exists to provide superior quality customer service to members who are in the process of obtaining a Home Equity Loan, Home Equity Line of Credit and Home Improvement Loan. Closer/Funders are responsible for closing and funding mortgage loan applications from approval through delivery. The employee will maintain an open line of communication with the member and/or branch personnel as all necessary paperwork and documents are being gathered. The employee is accountable for the accuracy and completeness of all loan documentation with a focus on loan closings, as well as to ensure compliance to Texans Credit Union Policy, State and Federal regulations.

Requirements

Provide excellent member service and develops relationships with internal and external members.
Good working knowledge and proficient understanding of Texas Home Equity Lending and Requirements
Proficient in Mortgage/Home Equity loan processing with a good understanding of Mortgage/Home Equity products
Excellent written and verbal communication skills
Detail oriented
Ability to work on multiple files simultaneously
Understand the fundamental aspects of mortgage lending /secondary market
Ability to thrive in a team and ever-changing high production loan environment
Good computer skills including a working knowledge of Microsoft Office products
Excellent time management skills
Fundamental understanding Symitar, Episys and Temenos LOS
Basic/Core knowledge of CFPB-Dodd/Frank Ability to Repayment requirements and TRID regulatory parameters.
Assist with managing member experience with the loan process end to end.
Education: HS Diploma or Equivalent
Experience: Minimum 2 years Closing/Funding Experience

Responsibilities

Review of files and documents contained therein for completeness with updates noted for loan officer review.
Assist with clearing underwriting conditions prior to closing.
Requests any additional documentation necessary such as land surveys, appraisals, inspections, etc.
Provide support to Real Estate Lending leadership, Loan Processors and Underwriters, and Loan Officers.
Assist and communicate with all departments as required to resolve outstanding issues.
Coordinates loan closings with branch staff, loan originators, loan processors, members, real estate agents, and title companies.
Ensures all conditions of loan approval are cleared prior to closing.
Verifies closing package documentation, funds loan after closing, and inputs loans into core system to include any entries to GL and/or bank accounts.
Ensure all loan files contain documents with proper signatures, dates, and all other required data.
Verify completion of HMDA on all closed loans.
Assist loan originators, loan processors, and underwriters with denied and withdrawn files.
Completes any other job- related duties needed that reinforce Texans Credit Union's EPIC values, traits, and behaviors.