Mortgage Loan Closer
Company: GreenState Credit Union
Location: West Des Moines
Posted on: January 12, 2021
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Job Description:
GreenState Credit UnionMortgage Loan CloserUS-IA-West Des
MoinesJob ID: 2020-2620Type: Regular Full-Time# of Openings:
2Category: MortgageGreenState Credit UnionOverviewResponsible for
closing of all secondary and in-house mortgage loans. Pay range for
this hourly position is $19.17 - $28.76 with a progressive benefits
package. ResponsibilitiesPerforms essential duties and
responsibilities in the following areas which may include but are
not limited to those listed and are subject to change. Adheres to
the Credit Union's core values and Service Standards in carrying
out GreenState's mission and vision.Demonstrates a positive member
service (internal and external) focus at all times, greeting
members and guests with a smile and eye contact immediately upon
their arrival. Consistent usage of the members name during contact
and always thanking them for their business.Demonstrates teamwork
in all interactions with coworkers and in the completion of all
duties and responsibilities.Plays a vital role in enriching the
community by participating in community service organizations
and/or Credit Union sponsored events on an annual basis.Ensures
confidentiality of member information.Builds and maintains
relationships in the real estate community, which includes but is
not limited to realtors, attorneys, abstractors, and insurance
companies.Fields and returns phone calls from the mortgage group
line and returns phone calls/emails from borrowers regarding their
mortgage loan.Schedules closings with members and all other
involved parties in the absence of the MLO or Mortgage
Associate.Orders final inspections, flood determinations when
necessary, verification of employment, verification of mortgage or
rents and other documents necessary to support the loan application
and ensure complete documentation of the loan file.Orders the
necessary title work through abstract/title companies and
attorney's office. This would include but is not limited to
(abstract update, 900/901 searches, buyer's searches and day of
closing searches). Reviews and verifies title work is clear to
close and works with all parties involved to clear title
objections.Orders and reviews both the compliance report and fraud
report for accuracy and discrepancies and makes any necessary
corrections.Submits file information to automated underwriting
system when necessary and verifies accuracy of the
findings.Organizes documents in appropriate order in the LOS system
and submits final applications to underwriting for approval when
necessary. .Follows up on any prior to docs and closing conditions
for secondary market and in-house loans.Verifies accuracy of
homeowners insurance and flood insurance if applicable (personal
and association) and requests mortgagee clause change prior to
closing.Requests closing numbers and all transfer documentation
from closing agents, realtors, and attorneys in order to prepare
closing documents. Works closely with all attorneys and realtor
companies to obtain this information.Sends and monitors the closing
disclosure to verify the closing disclosure has been sent at least
3 days in advance of closing. Will notify MLO/Associate if CD is
not viewed 3 days prior to closing.Responsible for re-disclosing
any additional fees, changes on rates and terms, etc. after the
initial CD has gone out and there are changes to be made. Prepares
closing documents and closing disclosure statement. Verifies all
fees and invoices have been collected. Issues all checks and posts
general ledger entries for those invoices and fees. Overnights
and/or wires payoffs and proceeds as requested on all purchase
transactions. Verifies the accuracy of the closing documents to
ensure the address, legal description, initial escrow disclosure,
etc. is correct.Organizes documents in LOS system to be sent to
post closing department in a timely manner to ensure prompt
delivery to investors and prompt recording of the mortgages.Ensures
accuracy of Warranty Deed, Ground Water Hazard Statement,
Declaration of Value, Mortgage and any additional documents that
are to be recorded prior to closingResolves any secondary market
suspensions or deficiencies and follows-up on any missing
documentation in mortgage file in a timely manner.Assists in
year-end verification of HMDA reporting and 1098/1099
statements.Assists in all other necessary mortgage duties and
projects when needed.Adheres to all state, federal and credit union
regulations, policies and guidelines.QualificationsReports to work
punctually, works all scheduled hours, and works overtime as
necessitated by business demand.Interpersonal skills to represent
the Credit Union in a positive way during member
contact.Interpersonal skills necessary to gather data from a number
of sources and to represent positively the Credit Union during such
contacts.Ability to provide quality service to members by phone or
in person or by email.Ability to develop and maintain effective
working relationships with co-workers.Ability to prioritize
assignments and organize work efficiently, to handle large volumes
of details.Ability to operate related computer applications,
on-line terminal and other standard office equipment such as a
calculator and typewriter.Accuracy and attention to detail
required.Lending policies and Real Estate knowledge helpful.High
school diploma or equivalent (i.e. GED) with a minimum of one year
previous related work experience.Must be bondable.Reporting
RelationshipReports to Mortgage Sales and Loan Support
SupervisorSupervisory ResponsibilitiesThis position is not
responsible for the supervision of other employees.Equal
Opportunity Employment StatementGreenState Credit Union is an Equal
Opportunity Employer. All qualified applicants will receive
consideration for employment without regard to race, color,
religion, sex, sexual orientation, gender identity, national
origin, or protected veteran status and will not be discriminated
against on the basis of disability. Apply Here:
https://www.click2apply.net/b7aOKpInzNwMCQX4SeW1rPI127981855
Keywords: GreenState Credit Union, West Des Moines , Mortgage Loan Closer, Other , West Des Moines, Iowa
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