Mortgage Closer I

Members First Credit Union•Midland, MI

21d•Hybrid

About The Position

Are you passionate about mortgage closing and helping members achieve their dream of homeownership? Do you thrive by using strong audit skills and extreme attention to detail? Members First Credit Union is looking for a Mortgage Closer I who will collaborate with teams and ensure a great member experience. This position has a hybrid potential. We strive to create an atmosphere of belonging with no judgment, just opportunity. We are interconnected to each other, and when we embrace out true authentic selves, we are stronger. We will empower you to be the best version of yourself while helping you to flourish in work and life. Come join us to help create thriving communities! Mortgage Closer I Non-Exempt Reports to: Real Estate Lending Leader Position Overview The primary purpose of this position is to assist Members First Credit Union to deliver on its mission: To encourage a better tomorrow . To achieve this mission, the position must deliver on our brand promise: We believe in you. Our promise is to be trustworthy, caring, and enthusiastic to help you succeed. You will do this by living out our core values in every service contact to both internal and external members.

Requirements

Foundational understanding of mortgage documentation, title procedures, and closing requirements.
Working knowledge of TRID, RESPA, and regulatory timing requirements.
Strong attention to detail and ability to manage multiple closings.
Effective communication skills with members and settlement partners.
Ability to work in a deadline-driven environment.
Effectively apply and maintain financial counseling concepts, gained through America's Credit Unions' Financial Counseling Certification Program (FiCEP), to promote financial well-being.
High school diploma or equivalent required; coursework in business, finance, or related field preferred.
1–3 years of experience in mortgage operations, loan processing, closing, servicing, or related financial services role preferred.
Foundational knowledge of residential mortgage loan documentation and basic closing requirements.
Familiarity with loan origination systems, core processing systems, or similar financial software platforms.
Basic understanding of federal mortgage disclosures and regulatory timing requirements.
Proficiency in Microsoft Office applications, including Word, Excel, and Outlook.

Responsibilities

Prepare accurate and complete closing packages including promissory notes, security instruments, riders, escrow documentation, and required federal and state disclosures in compliance with company policies, investor guidelines, and regulatory standards
Review loan files for completeness and confirm underwriting conditions have been cleared prior to closing
Verify title commitments, insurance coverage, and payoff statements for accuracy prior to document preparation
Verify accuracy of title commitments, insurance binders, payoffs, tax certifications, and escrow figures
Schedule and coordinate closing dates with borrowers, title companies, escrow agents, attorneys, and internal partners to ensure timely closings
Assist in preparation and timely delivery of the Closing Disclosure in accordance with TRID requirements
Ensure compliance with TRID timing requirements for delivery of the Closing Disclosure
Review fee accuracy and identify discrepancies prior to document release
Verify and prepare distribution of loan funds in compliance with lender guidelines and state/federal regulations
Prepare wire transfers in accordance with internal dual control and fraud prevention procedures
Conduct final quality checks to confirm loan documents are properly executed and notarized
Address and escalate issues or discrepancies that arise in the final stages of the loan process, including fee variances or potential tolerance concerns outside established guidelines. This is a hybrid position with the expectations of 3 days in the office
Successfully obtain Certified Credit Union Financial Counselor (CCUFC) designation through America's Credit Unions within first year of service with M1
Provide professional support to borrowers, loan officers, and team members regarding closing documentation and timelines.
Maintain accurate loan status updates in the loan origination system.
Ensure complete closing packages are submitted for post-closing review and document retention.
Adhere to internal policies including BSA/AML, OFAC, wire fraud prevention, and confidentiality standards.
Work closely with processors and underwriters to ensure smooth transition from approval to closing.
Assist in clearing minor post-closing conditions or trailing documentation.
Identify basic workflow improvements that enhance accuracy and member experience.