Loan Closer II
Insight Global, Austin, TX, United States
Job Description
A client of Insight Global is seeking a Mortgage Loan Closer II who is responsible for all closing packages. They must comply with Federal, State, Investor, Secondary, and company guideline and regulations.
Responsibilities
Reviews loan approval, rate lock, appraisal, title work, insurance, flood certificate, survey, and payoffs for validity
Fast-paced closing environment - needs to be adaptable and organized
Verifies county recording fees
Reconciles source documents to data contained within LOS
Prepares closing disclosures for management and borrower review
Sends and tracks specific documents electronically to borrowers based on TRID timing rules
Communicates with the borrower and/or Closing Agent to set expectations for closing and confirm important details
Coordinates closing date and time with all applicable parties
Orders closing packages from doc prep attorneys specific to loan type
Reviews documents for accuracy
Balances Closing Disclosure (CD) with the title company and issue approval
Delivers closing documents to title company via secure methods
Ensures all closing and funding conditions are satisfied
Reviews executed documents for completeness and accuracy
Requests and prepares wires
Issues funding authorization
Maintains real-time loan status within LOS
Communicates details with borrowers, title companies, vendors, and internal staff throughout the process
Assists with investor conditions and post-closing functions
Ensures customer privacy, security of files, and appropriate staff access
Assists Closing Manager in identifying process improvement needs and providing support to the training team to develop any necessary training required for such improvement (s)
Mentors individual closers for questions and/or assistance they may require for loans, systems, or process-related items. Assists with escalations, priority requests, and staging needs.
Trains new Closers
Functions as a team lead
Performs other related duties as assigned
We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to HR@insightglobal.com. To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: https://insightglobal.com/workforce-privacy-policy/.
Skills and Requirements
3 years of direct mortgage loan closing experience
Proficient with Encompass, or similar loan operating system, and running a desktop underwriting program
Strong attention to detail and possess good math skills
Excellent communication skills; must be professional, courteous, and confident
Strong working knowledge of FNMA, FHA, VA, DPA, USDA guidelines
Thorough understanding of mortgage terminology like DTI, LTV, and PITI
Understanding of real estate lending practices including federal and state regulations
Ability to work in a fast-paced environment while maintaining outstanding customer service
Team Player with effective time management and organizational skills • Bilingual (Spanish/English)
Notary commission by the states of Texas and Oklahoma
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Responsibilities
Reviews loan approval, rate lock, appraisal, title work, insurance, flood certificate, survey, and payoffs for validity
Fast-paced closing environment - needs to be adaptable and organized
Verifies county recording fees
Reconciles source documents to data contained within LOS
Prepares closing disclosures for management and borrower review
Sends and tracks specific documents electronically to borrowers based on TRID timing rules
Communicates with the borrower and/or Closing Agent to set expectations for closing and confirm important details
Coordinates closing date and time with all applicable parties
Orders closing packages from doc prep attorneys specific to loan type
Reviews documents for accuracy
Balances Closing Disclosure (CD) with the title company and issue approval
Delivers closing documents to title company via secure methods
Ensures all closing and funding conditions are satisfied
Reviews executed documents for completeness and accuracy
Requests and prepares wires
Issues funding authorization
Maintains real-time loan status within LOS
Communicates details with borrowers, title companies, vendors, and internal staff throughout the process
Assists with investor conditions and post-closing functions
Ensures customer privacy, security of files, and appropriate staff access
Assists Closing Manager in identifying process improvement needs and providing support to the training team to develop any necessary training required for such improvement (s)
Mentors individual closers for questions and/or assistance they may require for loans, systems, or process-related items. Assists with escalations, priority requests, and staging needs.
Trains new Closers
Functions as a team lead
Performs other related duties as assigned
We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to HR@insightglobal.com. To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: https://insightglobal.com/workforce-privacy-policy/.
Skills and Requirements
3 years of direct mortgage loan closing experience
Proficient with Encompass, or similar loan operating system, and running a desktop underwriting program
Strong attention to detail and possess good math skills
Excellent communication skills; must be professional, courteous, and confident
Strong working knowledge of FNMA, FHA, VA, DPA, USDA guidelines
Thorough understanding of mortgage terminology like DTI, LTV, and PITI
Understanding of real estate lending practices including federal and state regulations
Ability to work in a fast-paced environment while maintaining outstanding customer service
Team Player with effective time management and organizational skills • Bilingual (Spanish/English)
Notary commission by the states of Texas and Oklahoma
#J-18808-Ljbffr