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Risk ManagementRisk Management

Mortgage Senior Closer

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The Senior  Loan Closer is responsible for coordinating loan closings in compliance with company, FNMA, FHLMC, FHA, VA and industry standard rules and regulations. This position will prepare legal documents and closing packages for title companies and attorneys. The Senior Loan  Closer can handle a multitude of products including but not limited to purchases, Texas (50), CEMA’s and other loans as assigned.


Essential Job Functions may include:

  • Review      Closing Disclosure
  • Review      Case Number Assignment, Title Commitments, Insurance Policies, PMI      Certification and all loan documents for accuracy.
  • Review      all files for completeness and accuracy to ensure compliance with      underwriting, government, and investor and company requirements.
  • Maintain      open lines of communication with all parties to obtain loan status      information. 
  • Provide      timely communications regarding closing status as appropriate.
  • Ensure      all loans are closed in strict accordance with all guidelines.
  • Understand      and adhere to all existing and/or changes to internal or external      guidelines, processes and procedures as soon as they are implemented.
  • Responsible      for preparing and verifying final figures.
  • Sends      closing documents.
  • Request      wire transaction.
  • Coordinate      closings with title companies.


Other Related Duties:


Performs other related duties as assigned.


Supervisory Responsibilities:


This job has no supervisory responsibilities.

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.


Education and/or Experience:


Minimum high school diploma or general education degree (GED) required. Minimum 4 year previous experience as a loan processor, funder or closer. In addition, working knowledge of RESPA 2010, HMDA and Appraisal Independence Requirements (AIR) required.   Must be able to work independently or as part of a team in a high-paced environment.  Working knowledge of MS Office skills required.


Language Skills:


Excellent verbal and written communication skills required.  Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.  Ability to write reports, business correspondence, and procedure manuals.  Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.



Mathematical Skills:


Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.  Ability to apply concepts of basic algebra and geometry.



Reasoning Ability:


Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.


Certificates, Licenses, Registrations:


None required


Physical Demands :


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  While performing the duties of this job, the employee is frequently required to sit and talk or hear.  The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms.  The employee must occasionally lift and/or move up to 25 pounds.


Work Environment:


The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.


Employer’s Rights:


This job description does not list all the duties of the job. You may be asked by your supervisors or managers to perform other duties. You will be evaluated in part based upon your performance of the tasks and functions listed in this job description. The employer has the right to revise this job description at any time. The job description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.