Closer

AMERICAN HERITAGE LENDING LLC

2d•Remote

About The Position

American Heritage Lending, LLC located in Irvine CA is looking for a Mortgage Loan Closer. Established in 2008, the company was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success - creating a caring experience for the families we service across the nation. The Mortgage Loan Closer is responsible for ensuring timely preparation and closing of mortgage loans through activities such as preparing, reviewing and maintaining loan closing documents. This role is also responsible for maintaining loan quality by adhering to procedures, compliance requirements, underwriting and closing guidelines. The Closer provides superior customer service to internal and external customers, and organizes and verifies the different aspects of the loan funding process, including making sure all loan closing documentation is correct and executed correctly, and all closing conditions have been satisfied.

Requirements

Proficient understanding of mortgage banking concepts and regulations
Comprehensive understanding of HVCC, TILA and RESPA guidelines
Ability to communicate effectively through writing, speaking and listening
Outstanding organization, attention to detail, analytical and problem resolution skills
Ability to work efficiently under time constraints, in a fast-paced environment
Ability to provide superior level of customer service
Strong Microsoft Office skills
Ability to work overtime as needed, especially the last ten business days of each month

Nice To Haves

College degree in business related field or equivalent professional experience preferred.
Three or more years of mortgage closing experience preferred, including Conventional, VA, FHA, State Bond programs, etc.
Knowledge of document prep systems (Doc Magic experience preferred)

Responsibilities

Verify that proper loan disclosures have been provided to the borrower and are in the loan file.
Prepare and review critical closing documents for mortgage loans.
Coordinate closing figures with the title company or escrow officer.
Resolves title problems and other related closing issues to ensure correct lien position.
Coordinate the closing process between all parties involved in the closing: customers, loan originators, attorneys, closing agents and realtors.
Verify wire instructions, title company information and provide funding authorization.
Review accuracy of closing documents and confirm any closing conditions are satisfied.
Provide daily funding reports for tracking of completed and pending wires.
Ensure that all required loan documents are delivered to the loan closing in a timely manner.
Follows up on any deficiency requests by Shipping and Post-Closing to ensure timely procedures for loan funding.
Verifies loan closing documentation is correct and executed correctly.
Ensures all closing and funding conditions have been satisfied.
Funds mortgage loans by performing the applicable wire transfer transaction through the Bank wire department.
Promotes the Bank’s products and services whenever possible; participates in bank sponsored events, networking and volunteer opportunities at every opportunity
Provides service that aligns with Reliant Bank’s Brand Promise: We are a growing community of friends – one relationship at a time
Follows all regulatory rules and regulations, immediately reports any suspicious behavior and/or situations that may result in criminal or emergency incidents, and completes all required training in a timely manner
Ability to work closely with other departments within the organization to resolve any issues related to closing documents
Performs other tasks and projects as needed