Mortgage Closer

WORKERS FEDERAL CREDIT UNION-posted 7 days ago

$24 - $36/Yr

Full-time • Entry Level

Hybrid • Wyandotte, MI

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FUNCTION: Ensures a seamless and compliant closing process by performing thorough pre-funding audits and preparing all required closing documents with precision. This role collaborates closely with cross-functional teams to swiftly resolve any issues that could impact the closing timeline, thereby ensuring timely and efficient fundings. Additionally, the Closer maintains detailed records to meet audit standards and drive continuous process improvements.

Conduct a comprehensive pre-funding audit of mortgage and home equity files to ensure data accuracy, complete documentation, and compliance with investor, regulatory, and credit union policies.
Collaborate with the Closing Agent, Attorney, or branch to schedule closings, confirming that all necessary pre-closing documents (e.g., insurance binder, title commitment, funds-to-close) are in place, and update the loan software and posting journal with the closing date.
Generate the pre-Closing Disclosure and ensure it is delivered to the member via mail or electronically to meet regulatory requirements in order to close timely.
Inform the closing attorney that the first mortgage is cleared to close and request essential documents, including the closing date, title report, payoff, and tax information.
Prepare and deliver the closing documents to the appropriate Closing Agent, Attorney, or branch.
Order the LQCC report as needed, obtain member feedback when credit report changes occur, and perform a verbal employment verification prior to loan closing.
Execute the investor quality control check by validating loan data against underwriting data and addressing any errors.
Collaborate with underwriting, processing and origination teams to resolve escalated issues and ensure timely closings.
Submit the Uniform Closing Dataset (UCD) to the investor as mandated, reviewing and resolving any feedback-related errors.
Support post-closing quality control by identifying and addressing documentation or compliance issues that arise after funding.
Demonstrate behaviors in line with the Credit Union’s Fundamentals as part of the Workers Way culture program.
Assume additional responsibilities as required.

High School Diploma or Equivalent Required.
A minimum of 2-4 years of experience in mortgage closing or related roles, with a strong understanding of closing procedures, loan documentation, and regulatory compliance. Skilled in preparing and reviewing closing documents, coordinating with attorneys and closing agents, and resolving issues that may impact funding timelines. Proficient in mortgage software systems and known for attention to detail, organizational skills, and effective communication are crucial to being successful in this role.
A successful Mortgage Closer brings a strong working knowledge of closing procedures, loan documentation standards, and regulatory requirements such as TRID and RESPA. Proficiency in mortgage software systems and closing platforms is essential for ensuring accuracy and efficiency throughout the closing process. The role requires exceptional attention to detail, time management, and organizational skills to manage multiple closings and meet strict deadlines. Effective communication and collaboration are critical for coordinating with attorneys, title companies, and internal teams to resolve issues and deliver a seamless member experience.

4–7 years of experience in mortgage closing, including handling complex loan types such as construction, portfolio, and multi-disbursement loans. Demonstrated expertise in investor and regulatory closing guidelines, with experience mentoring junior closers and leading quality control efforts. Proven ability to manage high-volume pipelines, support post-closing issue resolution, and contribute to process improvements and team development.
Senior-level closers are expected to demonstrate advanced understanding of investor and secondary market closing guidelines, contribute to quality control efforts, and support the implementation of procedural improvements. They should also be capable of interpreting regulatory changes, mentoring peers, and escalating trends or risks to management when appropriate.

Comprehensive medical, dental and vision plans
Basic life and AD&D insurance, short-term disability and long-term disability
15+ days of paid time off (PTO) per year
Up to 16 hours of volunteer time off (VTO) per year
11+ paid holidays
401(k) that includes a Safe Harbor Match of up to 4%.
Tuition Reimbursement Program
Mental health resources including an Employee Assistance Program (EAP)
Individualized learning and development programs

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