Mortgage Loan Closer

DFCU Financial•Dearborn, MI

About The Position

Do you have a sharp eye for detail and a passion for accuracy? Are you organized, deadline-driven, and dedicated to delivering a smooth experience for members? As a Mortgage Loan Closer, you’ll coordinate all aspects of the first mortgage closing process—working with members, internal partners, real estate agents, sellers, and settlement agents. You’ll prepare and deliver complete, compliant closing document packages while verifying loan data, confirming final figures, and ensuring accuracy across every file. This role requires a strong understanding of mortgage regulations, including local, state, federal, and investor requirements. Your diligence, communication, and collaboration will help ensure every closing is handled with precision and every member experience is exceptional. The Opportunity: We are seeking a full time Mortgage Loan Closer to join our team in Michigan.

Requirements

High school diploma or equivalent work history required; associate’s degree preferred.
Minimum 2 years of experience in mortgage loan closing or related field.
Strong understanding of mortgage products, including conventional, FHA, VA, and state-supported loans.
Familiarity with loan origination systems (LOS) and document management platforms.
Excellent organizational and time management skills.
Strong attention to detail and ability to work in a fast-paced environment.
Effective verbal and written communication and member service skills.
Occasional overtime may be required during peak periods.

Nice To Haves

Experience with Michigan and Florida housing programs or government-backed loan products.
Knowledge of compliance and regulatory requirements (TRID, RESPA, HMDA).

Responsibilities

Review loan files for completeness and accuracy of loan data and closing information and update system accordingly.
Prepare and issue preliminary Closing Disclosure at prescribed process point.
Confirm closing date, time, and location, with all parties.
Prepare closing document packages and deliver to settlement agent via preferred method and/or location.
Review and confirm final figures with borrowers.
Follow-up and obtain documentation needed for closing (i.e., tax bills, insurance documentation, confirmation of HOA fees, updated payoff statements, POAs, etc.)
Coordinate funding of mortgage transactions with title companies/settlement agents (i.e., wire transfers, cashier’s checks)
Clear closing conditions and tasks in loan origination system, when applicable.
Maintain working knowledge of local, state, federal, and investor guidelines to ensure compliance.
Update loan status in the system and ensure timely progression through the pipeline, to close loans within defined service level agreements.
Collaborate with loan officers and loan processors to ensure a smooth loan process and positive member experience.
Achieve performance goals and key performance indicators (KPIs) as defined by the management team.