Mortgage Loan Closer Detail page
Veridian Credit Union, Waterloo, IA, United States
Posted about 3 days ago
Apply by March 27, 2026
Hybrid-Remote Des Moines Metro Area
Hybrid-Remote Waterloo & Cedar Falls, IA
Full-Time
Summary The primary responsibilities of the Mortgage Loan Closer include preparing final closing documents, ensuring closing documentation is complete, accurate, and compliant with applicable rules and regulations.
Essential Functions
Create excellent service experiences that promote the Veridian brand.
Work with members, realtors and closing agents to set up closing date and time, send closing calendar invites to all parties.
Prepare loan for closing by gathering property tax information, proof homeowner’s insurance with updated mortgagee clause, payoffs, verbal verification of employment (VVOE) and additional items as necessary.
Prepare, review and approve the Closing Disclosure. Deliver preliminary and final closing disclosures to members in a timely manner and in compliance with TRID guidelines.
Prepare final closing documents to ensure all required documents including closing instructions are sent to closing agent and that the information is compliant with internal, regulatory and investor requirements (TILA, RESPA, etc.).
Balance closing figures with closing agent, verify tolerances are within guidelines and disclosed fees.
Verify and send net funding amount to closing agent, complete loan disbursement worksheet.
Run compliance check and uniform closing dataset (UCD).
Represent the credit union in contact and status inquiries with realtors, attorneys, vendors and members. Work with all parties to resolve any settlement issues prior to closing.
Maintain accurate and timely follow-up on all closed mortgage loans. Follow up on pre-closing and post-closing conditions which include compliance with secondary market follow-up documentation and funding.
Maintain pipeline management including assistance with monitoring rate, funding, and delivery expiration dates.
Contribute positively to team effort by consistently achieving established goals and expectations.
Ability, availability, and willingness to work additional hours to accommodate loan volume during periods of peak demand.
Key Attributes
Oral and written communication skills.
Member service focus.
Attention to detail and accuracy.
Positive attitude that supports a team environment.
Dependable and punctual; flexible during peak times.
High level of confidentiality.
Organizational skills.
Self-motivated; ability to work without close supervision.
Problem solving; analysis.
Physical Demands
Occasionally lift and/or move items over 10 pounds.
Remain sedentary (seated) for extended periods of time.
Working Conditions This job operates in a professional office environment and routinely uses standard office equipment.
Travel Limited travel expected.
Required Education And Experience
High School Diploma.
2+ years of work experience in a financial institution or related field.
Fluent computer skills in a Microsoft Windows environment. Must include Outlook, Word, and Excel.
Preferred Education And Experience
Lending or first mortgage closing/processing experience.
Knowledge of loan procedures, related legal and regulatory requirements.
Other Duties Veridian Credit Union is a PCI compliant financial institution to ensure the security of member information. As such, all employees are expected to ensure security measures are in place and adhered to regarding PCI and other highly secure data compliance requirements.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
About Veridian Credit Union Veridian Credit Union, founded in 1934 in Waterloo, Iowa, is a not-for-profit financial cooperative dedicated to partnering with members to create successful financial futures. Veridian offers a competitive salary, benefit and incentive package that includes medical, dental and vision insurance; group term life insurance, 401(k) and profit-sharing plans; and a yearly incentive program. Employees enjoy a supportive work environment where diversity is valued.
Veridian Credit Union provides equal employment opportunities to all employees and applicants for employment without regard to age, race, color, sex, pregnancy, sexual orientation, gender identity, military service, national origin, religion, physical or mental disability, genetic information, or any other classifications protected by applicable federal, state or local laws.
"The best thing about working at Veridian Credit Union is definitely the people! Our staff is an exceptional group of individuals who make every person’s experience here top notch!"
- Lisa, Credit Consultant II
25+ years with Veridian
"The diversity culture we have which allows us to help each of our member in their own language. Also, the involvement we have every year with the community. i.e Jingle in the Junction, Latino Festival, Irish Festival, Kids Festival, and many others."
- Josue, Loan Advisor II
9+ years with Veridian
#J-18808-Ljbffr
Apply by March 27, 2026
Hybrid-Remote Des Moines Metro Area
Hybrid-Remote Waterloo & Cedar Falls, IA
Full-Time
Summary The primary responsibilities of the Mortgage Loan Closer include preparing final closing documents, ensuring closing documentation is complete, accurate, and compliant with applicable rules and regulations.
Essential Functions
Create excellent service experiences that promote the Veridian brand.
Work with members, realtors and closing agents to set up closing date and time, send closing calendar invites to all parties.
Prepare loan for closing by gathering property tax information, proof homeowner’s insurance with updated mortgagee clause, payoffs, verbal verification of employment (VVOE) and additional items as necessary.
Prepare, review and approve the Closing Disclosure. Deliver preliminary and final closing disclosures to members in a timely manner and in compliance with TRID guidelines.
Prepare final closing documents to ensure all required documents including closing instructions are sent to closing agent and that the information is compliant with internal, regulatory and investor requirements (TILA, RESPA, etc.).
Balance closing figures with closing agent, verify tolerances are within guidelines and disclosed fees.
Verify and send net funding amount to closing agent, complete loan disbursement worksheet.
Run compliance check and uniform closing dataset (UCD).
Represent the credit union in contact and status inquiries with realtors, attorneys, vendors and members. Work with all parties to resolve any settlement issues prior to closing.
Maintain accurate and timely follow-up on all closed mortgage loans. Follow up on pre-closing and post-closing conditions which include compliance with secondary market follow-up documentation and funding.
Maintain pipeline management including assistance with monitoring rate, funding, and delivery expiration dates.
Contribute positively to team effort by consistently achieving established goals and expectations.
Ability, availability, and willingness to work additional hours to accommodate loan volume during periods of peak demand.
Key Attributes
Oral and written communication skills.
Member service focus.
Attention to detail and accuracy.
Positive attitude that supports a team environment.
Dependable and punctual; flexible during peak times.
High level of confidentiality.
Organizational skills.
Self-motivated; ability to work without close supervision.
Problem solving; analysis.
Physical Demands
Occasionally lift and/or move items over 10 pounds.
Remain sedentary (seated) for extended periods of time.
Working Conditions This job operates in a professional office environment and routinely uses standard office equipment.
Travel Limited travel expected.
Required Education And Experience
High School Diploma.
2+ years of work experience in a financial institution or related field.
Fluent computer skills in a Microsoft Windows environment. Must include Outlook, Word, and Excel.
Preferred Education And Experience
Lending or first mortgage closing/processing experience.
Knowledge of loan procedures, related legal and regulatory requirements.
Other Duties Veridian Credit Union is a PCI compliant financial institution to ensure the security of member information. As such, all employees are expected to ensure security measures are in place and adhered to regarding PCI and other highly secure data compliance requirements.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
About Veridian Credit Union Veridian Credit Union, founded in 1934 in Waterloo, Iowa, is a not-for-profit financial cooperative dedicated to partnering with members to create successful financial futures. Veridian offers a competitive salary, benefit and incentive package that includes medical, dental and vision insurance; group term life insurance, 401(k) and profit-sharing plans; and a yearly incentive program. Employees enjoy a supportive work environment where diversity is valued.
Veridian Credit Union provides equal employment opportunities to all employees and applicants for employment without regard to age, race, color, sex, pregnancy, sexual orientation, gender identity, military service, national origin, religion, physical or mental disability, genetic information, or any other classifications protected by applicable federal, state or local laws.
"The best thing about working at Veridian Credit Union is definitely the people! Our staff is an exceptional group of individuals who make every person’s experience here top notch!"
- Lisa, Credit Consultant II
25+ years with Veridian
"The diversity culture we have which allows us to help each of our member in their own language. Also, the involvement we have every year with the community. i.e Jingle in the Junction, Latino Festival, Irish Festival, Kids Festival, and many others."
- Josue, Loan Advisor II
9+ years with Veridian
#J-18808-Ljbffr