Closer (Residential Mortgage)

Axos Bank • San Diego, CA

3d • $21 - $23

About The Position

The Closer is responsible for working across various aspects of the residential mortgage closing process as workload requires. Duties include generating initial and final closing disclosures, drawing and reviewing closing documents, auditing loan documentation, clearing conditions with Processing and Underwriting, performing regulatory validation, and cross-training on loan funding. The role handles documentation for moderate to complex loans and requires current, comprehensive knowledge of investor guidelines and government regulations, including TRID, RESPA, ECOA, FCRA, HMDA, MDIA, TILA, and AIR (previously HVCC).

Requirements

• In-depth knowledge of RESPA and TRID guidelines.
• Experience in a lender’s closing department.
• Ability to draw closing documents using third-party software, such as DocMagic.
• Excellent organizational skills and attention to detail, including the ability to identify loan problems.
• Ability to work in a team environment.
• Strong math skills and computer literacy.
• Ability to work under pressure, multitask, and meet deadlines in a fast-paced environment.
• Strong verbal and written communication skills.
• Willingness to perform multiple functions throughout the day as needed.
• Knowledge of investor guidelines and suspense clearance for loan purchase.

Responsibilities

• Generate initial and final closing disclosures.
• Draw closing documents.
• Audit loan documents for accuracy.
• Clear conditions with the Processing and Underwriting Departments.
• Perform regulatory validation, including Flood, HMDA, TRID, and RESPA requirements.
• Cross-train on funding loans and perform other duties as assigned.

Benefits

• Medical, dental, vision, and life insurance.
• Paid sick leave, three weeks of vacation, and approximately 11 holidays per year.
• HSA or FSA account and other voluntary benefits.
• 401(k) retirement savings plan with employer match and a 529 savings plan.
• Employee mortgage loan program and free access to an Axos Bank account with self-directed trading.
• Eligible for an annual discretionary cash bonus target of 10%, potentially awarded semi-annually based on performance goals and targets.
• Eligible for an annual discretionary restricted stock units bonus target of 10%, potentially awarded semi-annually based on performance goals and targets.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed