Consumer Loan Closer - Remote in FL, GA, AL, SC, NC, VA, TX, CO

Southstate Bank•Va, NC

3d•Remote

About The Position

The Consumer Loan Closer is responsible for taking ownership of all tasks and challenges encountered in the operation of their assigned position. This role ensures loans are closed timely and accurately, following Loan Policy and Internal Procedures. The Consumer Loan Closer works closely with Lending staff, Closing Agents, and Dealers to ensure necessary due diligence is completed on consumer loan closing requests. They prepare consumer loan closing documents using the document preparation system (LaserPro) and deliver these documents and accompanying materials to a Closing Agent, Dealer, and/or Lender in accordance with established department Service Level Agreements. The Consumer Loan Closer also ensures loan closing documents are prepared in accordance with the loan approval and federal and state legal and compliance requirements.

Requirements

High School Diploma
One to three years of experience in consumer loan documentation experience is required
Microsoft Word, Excel, and Outlook
Must be able to effectively access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers.
This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.
Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions.
Must have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred.

Nice To Haves

Experience with real estate closing transactions is preferred.
Knowledge of LaserPro and DecisionPro is preferred.

Responsibilities

Process consumer loan closing requests including HELOC’s, TRID (HELOAN, Manufactured Homes with Land, RV and MBH Lots), Manufactured Homes with no land, Dealer Manufactured Home Dealer Marine, Modifications.
Review loan approval, supporting documentation, and Bank systems to determine that the appropriate due diligence has been completed prior to preparing loan closing documents. This includes reviewing loan approval documents, determination of HMDA eligibility for transactions, flood determinations, title work, insurance documents, Settlement Statements/HUD/Closing Statements, closing disclosures, initial disclosures, titling information, purchase contracts, entity documentation, and Appraisals.
Work closely with Lending staff, Closing Agents, and Dealers to address any documentation deficiencies or issues prior to scheduled loan closing.
Escalate issues to Loan Closing Management as necessary.
Prepare closing documents on document preparation system (LaserPro) and deliver closing documents and accompanying documentation to Closing Agent, Dealer and/or Lender.
Review and approve settlement statements prepared by Settlement Agents.
Ensure department Service Level Agreements for loan closing requests are met to provide exceptional customer service.
Initiate wires, ACH payments, deposits in a DDA account or official checks to fund loan closings accurately and on time after the expiration of rescission period, if applicable (Dealer Manufactured Home and Dealer Marine Loans).
Manage workload by monitoring newly received loan requests in the Loan Closing workflow and tracking work in process.