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Closer

Rockvill, MD
Job Description – Mortgage Closer
 

Non-QM Lending is the fastest growing segment of the mortgage industry. ACC is expanding operations nationally. We are celebrating 21 years as the fastest and oldest Non-QM lender in the industry. Join our growing team by applying today!

SALARY PLUS MONTHLY BONUS PLAN, MEDICAL BENEFITS, 401(K) WITH COMPANY MATCH & PROFIT SHARING


SUMMARY
The Mortgage Closer is responsible for the preparation of mortgage closing documents. In addition, the Mortgage Closer is responsible for ensuring all essential information is accurate and communicating with internal staff as well as settlement agents to solve all closing issues in a timely manner.



PRINCIPAL RESPONSIBILITIES

 
  • Understand and follow all procedures relating to job function to help ensure compliance with all Federal and State regulatory requirements.
  • Check accuracy for all essential information provided at submission for closing.
  • Communicate with title companies, Account Managers, and Underwriting staff.
  • Prepare accurate figures for monthly payments, escrows, prepaid interest, etc.
  • Produce and organize all closing documents for non-QM loans.
  • Review loan documents to ensure meet all regulatory and compliance requirements.
  • Prepare Closing Disclosure and validate all fees are accurate on Final CD, balance wire with escrow/title, review executed loan documents to provide funding authorization.
  • Act as the point of contact from the time closing is requested through the time the loan is funded.
  • Complete a loan review on every loan to ensure it is compliant with TRID disclosure and re-disclosure requirements, and Fair Lending, Reg B and other Federal or State requirements.
  • Maintain a closing pipeline, complete closing documents within 24 hours of request, deliver the documents in advance of the closing, adhere to wire cut-off times, work with title company to clear errors on files, and timely delivery of complete closed loan files.
  • Follow up on requests from post-closing timely, including providing corrected documents, including Post Consummation CD and refund to borrower(s) when applicable.
 



 

QUALIFICATIONS

 
    • High School Diploma or equivalent required. College Degree, business or finance, preferred.
    • A minimum of 3 years of mortgage document experience in preparing mortgage loan closing documents.
    • Excellent organizational and analytical skills.
    • Proactive follow-up abilities and meticulous attention to detail.
    • Proven ability to be consistent, dependable and accurate in carrying out responsibilities toward the goal of a successful conclusion with respect to each loan being closed.
    • Demonstrated aptitude to learn rapidly and adapt quickly to changing situations
    • Superior customer service skills.
    • Knowledge of RESPA, TILA, Fair Lending, Flood and State laws and regulations.
    • Proficient computer skills, including Microsoft Office applications.
    • Encompass experience preferred.

 

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