Residential Loan Closer & Funder

Cedar Band Corporation•South Jordan, UT

13h•$26 - $30•Hybrid

About The Position

Voted as one of the top 20 places to work in Utah, and winner of Best Communication in the State of Utah. CBC Mortgage Agency (CBCMA) focuses on personal and professional development as the core value of the Company that has established a record of success and growth. Take your career to the next level in a comfortable workplace with an environment that encourages networking and team socializing. As well as great perks and benefits the position offers competitive wages, depending on experience, as well as full benefits, including medical, dental, and vision insurance coverage, short- and long-term disability, and a 401(k) plan retirement investment. In addition to these great benefits, we offer 10 company holidays a year and paid time off (PTO). If this is the opportunity that you’ve been waiting for, apply today! ABOUT CEDAR BAND CORPORATION We are a federally chartered tribal corporation wholly owned by the Cedar Band of Paiutes. Deeply rooted in our rich history, we provide industry-leading military and government contractor services, including construction management, technology, telecommunications, and staffing solutions, as well as mortgage industry, convenience store, and beverage distribution services to federal agencies and commercial industries. From our modest beginnings as a single IT company with one contract, we have grown to ten branded companies across the nation. Headquartered in Cedar City, Utah, with regional offices and project sites in South Jordan, UT; Tooele, UT; Seattle, WA; Huntsville, AL; Fort Lee, VA; and Tobyhanna, PA, we employ over 100 employees, who are all committed to our vision to be an industry leader as a tribally-owned business that provides world-class service. In order to attract and retain this caliber of employees, we offer competitive compensation, excellent benefits, and a dynamic work environment based on open communication and honesty. Job Summary CBC Mortgage Agency is seeking an experienced and detail-oriented Mortgage Loan Closer & Funder to join our operations team in a hybrid capacity. In this dual-function role, the successful candidate will be responsible for managing the closing and funding of residential mortgage loans from preparation through disbursement, ensuring accuracy, compliance, and an exceptional experience for all parties involved. This role requires a thorough understanding of mortgage loan documentation, regulatory requirements, and funding processes, as well as the ability to manage a high-volume pipeline with precision and professionalism. Hybrid Work Structure: This role is based in our South Jordan, Utah headquarters, with flexibility for a hybrid schedule (combining in-office and remote work) after the initial onboarding period.

Requirements

Minimum of 2–5 years of experience in mortgage loan closing, funding, or a combined closing/funding role.
Strong working knowledge of TRID, RESPA, and federal and state mortgage lending regulations.
Proficiency with loan origination systems (LOS); experience with Encompass strongly preferred.
Demonstrated ability to manage a pipeline while maintaining accuracy and meeting deadlines.
Excellent written and verbal communication skills with the ability to interact professionally with borrowers, settlement agents, title companies, and internal stakeholders.
Strong organizational skills and keen attention to detail.
Ability to work independently in a hybrid environment while remaining a collaborative and engaged team member.
High School Degree/GED or greater.
Must have full knowledge and compliance understanding of RESPA, TRID, and all applicable federal, state, and investor guidelines; as well as FHA loan programs and Ginnie Mae guidelines.
Must be authorized to legally work within the United States of America.
Prolonged periods of sitting at a desk.
Must be able to lift up to 15 pounds at times.

Nice To Haves

Experience with FHA loan programs and Ginnie Mae guidelines preferred.
Experience with Encompass strongly preferred.

Responsibilities

Prepare and review closing disclosure documents, closing packages, and all required loan documentation in accordance with investor guidelines and regulatory requirements.
Coordinate closing dates, times, and logistics with borrowers, title companies, settlement agents, and loan officers.
Ensure all conditions of approval have been satisfied prior to closing and that loan files are complete, accurate, and compliant.
Review executed closing packages returned from settlement agents for accuracy and completeness.
Communicate proactively with internal teams and external partners to resolve any outstanding issues prior to and at closing.
Review funded loan packages to verify all documents are properly executed and all closing conditions have been met.
Authorize and initiate wire transfers for loan funding in accordance with company policy and investor requirements.
Reconcile funding figures including loan proceeds, escrow amounts, and fees to ensure accuracy prior to disbursement.
Coordinate with warehouse lenders to facilitate timely funding and loan delivery.
Maintain detailed and accurate records of all funded loans and ensure timely submission to post-closing and secondary market teams.
Monitor and manage a pipeline of loans through closing and funding stages, prioritizing to meet rate lock expirations and closing deadlines.
Ensure full compliance with RESPA, TRID, and all applicable federal, state, and investor guidelines.
Identify and escalate potential issues or discrepancies in a timely manner.
Collaborate cross-functionally with underwriting, processing, compliance, and secondary market teams.
Maintain a thorough working knowledge of FHA, conventional, and down payment assistance loan programs.