Mortgage Closing - Lead

First National Bank of Omaha•Omaha, NE

1d•Hybrid

About The Position

The Mortgage Closing Lead serves as the Closing Team’s subject matter expert and assists the department manager with planning, prioritizing, monitoring, and reporting work. The lead is an escalation point for complex closing files and production system issues, conducts testing for new software platform releases, and supports compliance and workflow efficiency. The role manages daily operational reports and assignment queues, helps allocate team resources, performs second-level Closing Disclosure reviews, provides backup for the closing desk, closes employee mortgage loans, and serves as a resource on policies, procedures, and regulatory compliance. It also supports system and process improvements, including Encompass release testing, troubleshooting, enhancements, and procedure-manual updates. The lead coordinates PTO coverage and file delegation, partners with the Disclosure Desk lead on backup coverage, completes management-assigned projects, and represents the team in meetings as requested. The role requires professional conduct, strong communication, critical thinking, attention to detail, adaptability, accountability, time management, and regular, predictable attendance. The incumbent must comply with bank policies, applicable laws and regulations, the BSA/AML Program, and required training and reporting procedures. The position is expected to work in a hybrid capacity, with three days per week in person and two days remotely; work location may change based on business needs. Standard office physical demands include prolonged sitting and computer use. Candidates must have unrestricted work authorization and not require future sponsorship.

Requirements

High school diploma.
3–5 years of mortgage disclosure and closing experience.
Excellent working knowledge of the Encompass loan origination system and mortgage regulations, including TRID, RESPA, and TILA.
Excellent verbal and written communication skills.
Technical troubleshooting skills.
Working knowledge of Microsoft Office products, with a strong emphasis on Excel.
Unrestricted work authorization and no requirement for future sponsorship.
Ability to define problems, establish facts, draw valid conclusions, and anticipate actions needed to resolve issues.
Ability to honor differing opinions and treat others with dignity and respect.

Nice To Haves

Associate or bachelor’s degree.

Responsibilities

Manage and review daily operational reports, including assignment queues, to support fair assignment of files considering complexity.
Ensure team resources are allocated effectively to complete daily work and meet business needs.
Serve as the first point of contact for complex closing issues and as an operational resource on policies and procedures.
Consult with management on high-risk situations and adhere to applicable policies and procedures.
Perform second-level reviews of Closing Disclosures for accuracy and compliance.
Provide backup for the closing desk as needed and periodically pull Closing work to understand processes and team pain points.
Close employee mortgage loans and serve as a department resource on regulatory compliance.
Test Encompass platform releases and troubleshoot technical production issues.
Assist with developing, testing, and implementing system enhancements; report results and roadblocks and work toward resolution.
Recommend continuous process improvements and manage updates to the procedure manual.
Manage team PTO coverage and delegate files to maintain continuous pipeline coverage.
Partner with the Disclosure Desk lead to provide backup coverage.
Complete management-assigned projects in a timely manner and represent the team in meetings as requested.
Promote professional behavior and positive working relationships, and support organizational values, goals, and strategic plans.
Maintain regular and predictable attendance in accordance with attendance guidelines.
Comply with bank policy, applicable laws and regulations, and the BSA/AML Program; complete required training and report compliance issues and violations in accordance with FNBO guidelines.