Loan Closer & Funder
Zenith Home Loans, Greenwood Village, CO, United States
Zenith Home Loans exists to have a profoundly positive impact on the lives of our employees, clients, referral partners, vendors, and the communities we serve. We live this purpose by embracing our Core Values and delivering on our brand promise: Closing Loans On Time, Under Budget, with No Surprises®.
Position Summary The Loan Closer & Funder is responsible for ensuring residential mortgage loans are accurately closed, funded, and ready for post-closing delivery in compliance with agency, investor, and company requirements. This role prepares and reviews closing documents, coordinates wire disbursements, and confirms timely funding. The Loan Closer & Funder partners closely with Processing, Underwriting, Title, Settlement Agents, Secondary, and Post-Closing teams to support smooth, compliant loan closings.
Closing & Funding Responsibilities
Prepare, review, and balance closing documents, including the Closing Disclosure (CD), Note, Deed of Trust/Mortgage, and ancillary documents
Confirm all underwriting and prior-to-funding conditions are satisfied before document release
Coordinate closing figures and timelines with title and settlement agents
Manage a pipeline of loans through closing and funding to meet scheduled closing dates
Ensure loan data in Encompass matches final closing documentation
Prepare, review, and submit outgoing wire requests in accordance with Zenith wire policy
Order wires from the warehouse bank and act as the point of contact for all warehouse banks
Independently verify wire instructions to mitigate fraud risk
Coordinate funding approval and confirm receipt of funds with settlement agents
Ensure wires are released timely to meet funding deadlines
Maintain accurate wire logs, approvals, and supporting documentation
Escalate wire discrepancies, cutoff risks, or funding issues immediately to Operations leadership
Compliance & Regulatory Standards
Ensure all closing and funding activities comply with TRID, RESPA, TILA, HMDA, Reg Z, applicable state regulations, and investor requirements
Ensure Closing Disclosures are accurate and delivered within TRID timing and tolerance requirements
Monitor post-disclosure changes and coordinate re-disclosures when required
Identify and coordinate tolerance cures when applicable
Ensure all signed closing documents are complete, accurate, and properly executed
Post-Closing Readiness
Confirm funded loan files are complete and ready for post-closing review and investor delivery
Coordinate trailing document requirements with title and settlement agents
Communicate funding confirmation to internal teams
Partner with Secondary and Post-Closing teams to support timely loan delivery
Serve as a primary point of contact for title companies and settlement agents during closing and funding
Provide clear, timely communication to internal teams regarding closing status and funding conditions
Collaborate cross-functionally to resolve closing or funding issues efficiently
Maintain strong working relationships to support on-time funding
Additional Expectations
Maintain current knowledge of agency, investor, and regulatory updates impacting closing and funding
Participate in audits, quality control reviews, and process improvement initiatives
Support quality, efficiency, and cycle time performance goals
Flexibility for extended hours during peak periods or funding deadlines
Other duties as assigned by Ops Leadership
Preferred Qualifications
2–5+ years of experience in mortgage closing and/or funding
Experience working with:
Conventional, FHA, VA, and USDA loans
Familiarity with warehouse lines of credit and post-closing processes
Strong understanding of:
Loan documents and closing disclosures
TRID compliance and federal lending regulations
Funding authorization and wire processes
Knowledge of federal and state regulatory requirements (e.g., RESPA, TILA)
Additional Preferred Skills
Experience with Loan Origination Systems (LOS) such as Encompass
Proficiency in Microsoft Office (Excel, Word, Outlook)
Experience with document imaging and e-signature platform
Strong attention to detail and accuracy
Ability to review and balance Closing Disclosures
Excellent time management in high-volume environments
Strong communication skills with title companies, lenders, and internal teams
Ability to meet strict funding deadlines
Analytical and problem-solving skills
Ability to work independently with minimal supervision
Notary Public certification (preferred but not required)
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Position Summary The Loan Closer & Funder is responsible for ensuring residential mortgage loans are accurately closed, funded, and ready for post-closing delivery in compliance with agency, investor, and company requirements. This role prepares and reviews closing documents, coordinates wire disbursements, and confirms timely funding. The Loan Closer & Funder partners closely with Processing, Underwriting, Title, Settlement Agents, Secondary, and Post-Closing teams to support smooth, compliant loan closings.
Closing & Funding Responsibilities
Prepare, review, and balance closing documents, including the Closing Disclosure (CD), Note, Deed of Trust/Mortgage, and ancillary documents
Confirm all underwriting and prior-to-funding conditions are satisfied before document release
Coordinate closing figures and timelines with title and settlement agents
Manage a pipeline of loans through closing and funding to meet scheduled closing dates
Ensure loan data in Encompass matches final closing documentation
Prepare, review, and submit outgoing wire requests in accordance with Zenith wire policy
Order wires from the warehouse bank and act as the point of contact for all warehouse banks
Independently verify wire instructions to mitigate fraud risk
Coordinate funding approval and confirm receipt of funds with settlement agents
Ensure wires are released timely to meet funding deadlines
Maintain accurate wire logs, approvals, and supporting documentation
Escalate wire discrepancies, cutoff risks, or funding issues immediately to Operations leadership
Compliance & Regulatory Standards
Ensure all closing and funding activities comply with TRID, RESPA, TILA, HMDA, Reg Z, applicable state regulations, and investor requirements
Ensure Closing Disclosures are accurate and delivered within TRID timing and tolerance requirements
Monitor post-disclosure changes and coordinate re-disclosures when required
Identify and coordinate tolerance cures when applicable
Ensure all signed closing documents are complete, accurate, and properly executed
Post-Closing Readiness
Confirm funded loan files are complete and ready for post-closing review and investor delivery
Coordinate trailing document requirements with title and settlement agents
Communicate funding confirmation to internal teams
Partner with Secondary and Post-Closing teams to support timely loan delivery
Serve as a primary point of contact for title companies and settlement agents during closing and funding
Provide clear, timely communication to internal teams regarding closing status and funding conditions
Collaborate cross-functionally to resolve closing or funding issues efficiently
Maintain strong working relationships to support on-time funding
Additional Expectations
Maintain current knowledge of agency, investor, and regulatory updates impacting closing and funding
Participate in audits, quality control reviews, and process improvement initiatives
Support quality, efficiency, and cycle time performance goals
Flexibility for extended hours during peak periods or funding deadlines
Other duties as assigned by Ops Leadership
Preferred Qualifications
2–5+ years of experience in mortgage closing and/or funding
Experience working with:
Conventional, FHA, VA, and USDA loans
Familiarity with warehouse lines of credit and post-closing processes
Strong understanding of:
Loan documents and closing disclosures
TRID compliance and federal lending regulations
Funding authorization and wire processes
Knowledge of federal and state regulatory requirements (e.g., RESPA, TILA)
Additional Preferred Skills
Experience with Loan Origination Systems (LOS) such as Encompass
Proficiency in Microsoft Office (Excel, Word, Outlook)
Experience with document imaging and e-signature platform
Strong attention to detail and accuracy
Ability to review and balance Closing Disclosures
Excellent time management in high-volume environments
Strong communication skills with title companies, lenders, and internal teams
Ability to meet strict funding deadlines
Analytical and problem-solving skills
Ability to work independently with minimal supervision
Notary Public certification (preferred but not required)
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