FT Mortgage Closer at Jonestown Bank Trust Co

Cleona, Pennsylvania, United States -

Full Time

Start Date

Immediate

Expiry Date

09 Jul, 26

Salary

0.0

Posted On

11 Apr, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage closing, Loan origination systems, Regulatory compliance, TRID, Attention to detail, Communication, Organizational skills, Microsoft Office Suite, Analytical abilities, Relationship building, Quality control, Documentation, Financial crime prevention, Time management, Problem solving

Industry

Banking

Description

Description JOB SUMMARY The Mortgage Closer is responsible for coordinating the final steps in the mortgage loan process, ensuring all paperwork is in order, and the loan can be successfully closed. This role involves working closely with the underwriting and processing teams to ensure compliance with all regulations and the accuracy of the loan package. DUTIES AND RESPONSIBILITIES Ensure the final closing disclosure, promissory notes, and other mortgage-related documents are accurate and complete. Verify that all required documents are present and comply with legal, regulatory, and JBT standards. Ensure that the mortgage terms are consistent with what was agreed upon in the loan application process. Communicate with borrowers to confirm the final details of the loan closing and ensure they have necessary documentation. Coordinate with title companies, escrow agents, and other third parties involved in the closing process. Schedule loan closings and ensure all participants are prepared. Ensure compliance with federal, state, and local regulations related to mortgage closings, including TRID (TILA-RESPA Integrated Disclosure) rules. Perform quality control checks to ensure loan files are complete, correct, and free of errors before closing. Review the HUD or Closing Disclosure to ensure compliance with the loan estimate and other related requirements. Prepare wire transfer instructions and confirm the appropriate funds are available for disbursement at the time of closing. Ensure that all fees, insurance, and taxes are properly accounted for and paid. Confirm the loan is properly funded and ensure documents are sent to the necessary parties, such as the county clerk for recording. File and organize final closing documents for record-keeping purposes. Communicate with borrowers regarding any post-closing requirements, including the delivery of the final documents and any other outstanding obligations. Assist with loan payoffs or refinance requests post-closing as needed. Promote and preserve JBT’s values and culture Follow Bank policy and procedure to prevent fraud and financial crimes Other duties as assigned Requirements SKILLS REQUIRED Strong attention to detail and organizational skills. Excellent communication and interpersonal skills. Proficiency in Microsoft Office Suite. Understanding of federal, state, and local mortgage regulations. Ability to work in a fast-paced environment and manage multiple tasks simultaneously. Strong analytical abilities with meticulous attention to detail. Proficiency in Loan Origination Systems. Demonstrated integrity and professionalism. Ability to meet deadlines independently while ensuring client satisfaction. Comprehensive knowledge of JBT mortgage products, policies, and procedures. Effective written, verbal, and telephone communication and presentation skills. Capacity to collaborate across functions to foster client and employee loyalty. Strong relationship-building skills. Familiarity with office equipment including computers, adding machines, telephones, copy machines, and fax machines. Ability to lift approximately 25 lbs.

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Responsibilities

The Mortgage Closer coordinates the final stages of the mortgage loan process, ensuring all documentation is accurate and compliant with regulatory standards. They work closely with underwriting and processing teams to facilitate successful loan funding and closing.