Mortgage Closer

WORKERS FEDERAL CREDIT UNION•Wyandotte, MI

22h•$24 - $30•Hybrid

About The Position

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.

Requirements

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.

Nice To Haves

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.

Responsibilities

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.