Mortgage Closer

Plains Commerce Bank•Sioux Falls, SD

20h•Onsite

About The Position

The Mortgage Closer is responsible for closing mortgage loan files in accordance with bank guidelines. The successful candidate will possess a professional appearance and attitude, with knowledge of credit analysis, credit policy/procedures, real estate lending, problem loan administration, financial budgeting and planning, banking rules and regulations, and bank products. Strong computer skills and the ability to learn new software are essential. This role requires attention to detail in preparing and proofing loan documents, establishing priorities, and meeting deadlines. The ability to multi-task, stay organized, and work effectively under stress and pressure is crucial. The position involves effectively presenting information, responding to management and staff questions, and communicating professionally with internal and external contacts, including processors, underwriters, management, staff, realtors, and vendors. Dependability, trustworthiness, and maintaining confidentiality are key attributes. Good verbal and written communication skills are necessary.

Requirements

Professional appearance and attitude
Knowledge of credit analysis
Knowledge of credit policy/procedures
Knowledge of real estate (business/personal) lending
Knowledge of problem loan administration
Knowledge of financial budgeting and planning
Knowledge of banking rules and regulations
Knowledge of bank products offered
Computer knowledge and the ability to learn various software programs
Attention to detail while preparing and proofing loan documents
Ability to establish priorities and meet deadlines
Ability to multi-task
Ability to be organized
Ability to work under stress and pressure
Ability to effectively present information and respond to questions from management and support staff
Ability to communicate and interact effectively and professionally with internal and external contacts including processors, underwriters, management, staff, realtors’, and vendors
Dependable
Trustworthy
Maintain confidentiality
Good verbal and written communication skills

Responsibilities

Review Encompass screens to prepare for closing.
Review and update final numbers from invoices and title work.
Work with title company to obtain accurate title fees and taxes and to give them our numbers.
Review and print an initial CD (closing disclosure) to give to the borrower(s).
Make any necessary changes or updates per Loan Officer/Processor.
Run final Mavent Compliance report.
Work with the compliance department to verify all loans are within guidelines.
Send email with final CD and documents to title company and funders.
Work with post closers if any investor needs changes.
Communicate effectively, get along with co-workers, and deal with colleagues effectively and professionally.
Practice branch security procedures and protect customer confidentiality and privacy.