Mortgage Operations - Senior Loan Closer/Funder

Responsibilities

• Serves as the final operational check for final documents and funding, managing complex disbursements and ensuring adherence to internal financial controls
• Manages the closing workflow, ensuring timely package generation, accurate fee reconciliation and adherence to TRID timelines across the team
• Prepares and reviews CDs, loan documents and escrow instructions to ensure compliance with federal, state and investor guidelines
• Manages the full funding process, executing wire requests, funding review and authorization
• Leads complex closing transactions, acting as subject matter expert on loan documentation, compliance and funding
• Utilizes expert knowledge of investor purchase conditions and post-closing QC findings to guide the team and implement preventative measures to ensure salability
• Supports post-closing functions as needed including investor condition clearing, trailing document follow-up and purchase suspense resolution
• Coordinates with title companies, escrow agents and borrowers to facilitate the closing process
• Collaborates across processing, origination, post-closing, compliance and legal to ensure adherence to evolving regulations
• Partners with engineering and vendor implementation teams on closing and funding system projects, including requirements definition, configuration validation, user acceptance testing and post-release issue triage
• Supports the team on daily closing, funding and post-closing activity, serving as the first point of triage for escalations involving title, escrow, compliance, funding and investor conditions
• Proactively maintains loan pipeline, tasks and objectives, prioritizing workload to meet critical deadlines across a high volume of loan activity with a high degree of accuracy
• Adopts Company values in work behaviors, decision making, contributions and interpersonal interactions
• Contributes to a positive work environment by demonstrating cultural expectations and influencing others to reward performance, accountability, diversity and inclusion, flexibility, continuous development, collaboration, creativity and fun

Expertise

• Customer-focused, business-centric and team-oriented mindset; relentlessly passionate about finding and completing valuable work
• Advanced working knowledge of federal and state regulations including TRID and state-level disclosure requirements
• Self-driven with the ability to work independently and collaboratively
• Excellent organizational skills, able to set and meet deadlines in a fast-paced environment
• Demonstrated ability to communicate effectively with internal and external partners and influence positive outcomes at all levels of an organization
• Intellectually curious and interested in applying technology to enhance business processes
• Experience collaborating with implementation teams, engineering and vendors
• Openness to adapting to industry changes

Requirements

• 4+ years mortgage loan closing and funding experience in a Senior or Team Leader capacity, including hands-on post-closing exposure such as investor conditions, trailing documents and purchase suspense resolution
• Experience in a broker or correspondent environment a plus
• Experience preparing wire orders and conducting funding authorization reviews
• Proficiency in LOS systems, document preparation software and closing platforms
• Proficiency reading and interpreting XML and MISMO files
• Working knowledge of take-out investor delivery and purchase requirements, and of warehouse line funding workflows
• Experience training and mentoring others
• Excellent customer service and interpersonal skills