Real Estate Doc Closer - Funder

Citizens Alliance Bank•Great Falls, MT

About The Position

This position is part of the mortgage department’s loan processing system and handles the back-end functions of real estate loans. The Real Estate Doc Closer/Funder prepares loan documents for closing, ensuring the quality and compliance of documentation for funding. The role specializes in balancing Closing Disclosures and final loan documents, funding loans, and selling loans on the secondary market, while working closely with Real Estate Loan Processors to complete the loan process. It also requires professional communication with team members, employees, customers, lenders, vendors, and title companies. The position oversees real estate loans from preparation of Closing Disclosures through funding and post-funding duties. It supports the Real Estate Mortgage and MPF programs, monitors the loan pipeline, resolves documentation and compliance issues, and takes the lead in the MPF secondary-market funding process. The role may provide backup processing support, service the loan portfolio, travel to trade and industry schools or seminars as needed, and perform other assigned duties. Employees are expected to follow the Bank’s core values, maintain regular attendance and punctuality, and comply with applicable laws, regulations, guidance, and Bank policies and procedures. An MFA app may need to be installed on the employee’s personal mobile device for system authentication.

Requirements

High school diploma or GED.
Continuing education to maintain job knowledge.
Three to five years of banking, mortgage lending, loan processing, loan closing, loan funding, or related financial services experience.
Knowledge of general accounting and general ledger (GL) processes.

Nice To Haves

Three to five years of customer service experience.
Three to five years of residential mortgage closing and funding experience.
Experience preparing and balancing Closing Disclosures and final loan documents.
Proficiency in Microsoft Suites.

Responsibilities

Oversee the back-end process for real estate loans, from preparing or creating Closing Disclosures through funding and post-funding duties.
Collaborate with the Mortgage Department Manager to assess how changes in policies, procedures, and products affect the Real Estate and MPF programs.
Maintain compliance with Citizens Alliance Bank products and services related to the Real Estate Mortgage and MPF programs.
Identify errors and omissions and lead or arrange their resolution.
Communicate with lending personnel to resolve Real Estate customer issues efficiently.
Monitor the loan pipeline and help ensure loans are completed in a timely manner.
Communicate with lenders in all locations about loans in the final-document and closing process.
Lead the MPF secondary-market loan funding process.
Maintain working knowledge of regulatory requirements related to the safety and soundness of the Real Estate and MPF Lending programs.
Compile accurate information and advise management.
Communicate document changes or additions to Loan Officers and the Mortgage Department Manager.
Provide office services by implementing administrative systems, procedures, and policies.
Assist as a backup processor when needed.
Demonstrate commitment to customers and the Bank and exemplify the Bank’s core values.
Service the loan portfolio to ensure documentation requirements are met.
Prepare, review, and balance Closing Disclosures and final loan documentation for residential mortgage loans.
Fund loan transactions, including distributing funds and establishing escrow accounts.
Research, identify, and resolve documentation, compliance, funding, and closing discrepancies.
Apply knowledge of mortgage regulations, bank policies, and lending requirements to ensure compliance and loan quality.
Analyze complex loan documentation and recommend or develop solutions for exceptions, errors, or process concerns.
Maintain expertise in MPF secondary-market requirements and communicate process improvements or updates to management.
Maintain regular attendance and punctuality.
Travel to trade and industry schools and seminars as needed.
Comply with applicable federal and state laws, regulations, and guidance, including BSA/AML requirements, and follow Bank policies and procedures.
Perform other duties as assigned and requested.