Unity Bank · 3 months ago
Residential Mortgage Closer
Clinton, NJ
Full-time
Onsite
Mid Level
$24.07/hr - $31.57/hr
3+ years expUnity Bank is seeking a Residential Mortgage Closer responsible for the preparation, review, and delivery of closing packages and instructions to settlement. This role supports various functions of the bank through professional communication and ensures compliance with all relevant guidelines and regulations.
BankingFinancial Services
Responsibilities
Prepare closing package and instructions and investor required documents
Review HUD-1 settlement statement for accuracy and completeness
Coordinate and communicate with attorney, title company, settlement agent, loan officer and processor in scheduling all closings
Verifies accuracy of information on all closing documents (legal names, legal address, terms, rate, title work and insurance)
Track closing file to confirm its return from the settlement agent in a timely manner
Reviews and assembles post-closing package for delivery to investor, ensuring all documents are accurately signed and dated. Assures loan package is complete with any investor-specific requirements
Responsible for the timely delivery, follow up on post-closing conditions and funding of investor loans to ensure maximum profitability on all loans
Ensures compliance with all FNMA, investor guidelines, as well as all state and federal laws
Examine loan documentation to ensure accuracy and compliance with all state and federal policies
Communicate with mortgage sales, operations and Management to maintain a high level of customer service
Maintain a high level of efficiency to ensure closing dates are met
Maintain current knowledge of all industry and bank program changes, policies and procedures
Communicates with Management on a loan-by-loan basis in recommending exceptions to policy
Assist Loan Officer's by reviewing closing scenarios
Qualification
Required
3-5 years closing experience required
Ability to analyze title reports, HUD-1's, tax searches and insurance policies is required
Detailed knowledge of regulations such as Truth in Lending and RESPA is required
Detailed knowledge of standard closing procedures is required
Must be extremely organized and detail-oriented
High school diploma or equivalent required
Excellent communication skills, both written and verbal, are required
Excellent computer skills in a Microsoft Windows environment including proficiency in Word, Excel and Outlook are required
Ability to calculate figures and amounts
Ability to read, analyze and interpret legal documents, government regulations and professional publications
Ability to effectively present information and respond to inquiries from Senior Management, attorneys, vendors, government agents and the general public
Ability to create and generate reports
Ability to work independently with little supervision
Preferred
Four-year college degree preferred
Company
Unity Bank
Unity Bank provides financial services to retail and business customers through our branches located in Hunterdon, Middlesex.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
James Hughes
President & CEO
George Boyan
Chief Financial Officer
Recent News
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