Mortgage Closer/Funder

COMMUNITY FIRST CREDIT UNION OF FLORIDA•Jacksonville, FL

6h•Onsite

About The Position

The Mortgage Closer/Funder is responsible for preparing accurate closing documents, ensuring compliance with regulatory requirements, balancing loan funds with settlement agents, and authorizing disbursements. This role requires a high level of attention to detail, knowledge of TRID requirements, and strong communication skills to coordinate effectively with internal staff, title companies, and borrowers.

Requirements

High school diploma or equivalent.
2+ years of experience in mortgage closing or funding.
Strong knowledge of TRID, RESPA, TILA, and agency/investor requirements.
Proficiency with LOS systems.
Strong organizational and time management skills.
Excellent written and verbal communication skills.
Ability to work independently while meeting deadlines in a high-volume environment.
Detail-oriented with strong analytical skills.
Member service focus with ability to explain closing requirements clearly.
Ability to manage multiple priorities and deadlines.
Positive Attitude- Maintain an optimistic outlook even during challenging situations.
High ethical standards and commitment to regulatory compliance.
Ability to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
Ability to read and carry out various written instructions and follow oral instructions.
Ability to complete basic mathematical calculations, spell accurately, and understand computer basics.
Ability to speak clearly and deliver information in a logical and understandable sequence.
Capability of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
Ability to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
Ability to effectively handle multiple, simultaneous, and changing priorities.
Capability of exercising highest level of discretion on both internal and external confidential matters.

Nice To Haves

Bachelor’s degree

Responsibilities

Prepare, review, and issue Closing Disclosures (CDs) in accordance with TRID timelines.
Balance final figures with title companies/settlement agents.
Generate closing packages, ensuring accuracy, completeness, and compliance with investor/agency requirements.
Verify all fees, charges, and terms align with loan approval and applicable regulations.
Review executed closing packages for accuracy and completeness.
Authorize and process funding disbursements in compliance with company policies.
Confirm settlement funds are accurate and delivered in a timely manner.
Ensure compliance with federal, state, and agency regulations (TRID, RESPA, HMDA, ATR/QM).
Maintain knowledge of investor guidelines and internal policies.
Escalate any discrepancies or red flags to management for resolution.
Assist with post-closing audits to ensure loan packages meet internal or investor delivery standards.
Partner with processors, underwriters, and loan officers to resolve outstanding conditions prior to closing.
Communicate with title companies, attorneys, and settlement agents regarding loan conditions, balances, and disbursements.
Provide support and guidance to borrowers regarding the closing process.