[Hiring] Closing Department Manager @World Business Lenders, LLC

Role Description

The Closing Department Manager is responsible for leading the end-to-end mortgage closing function, ensuring loans are closed accurately, efficiently, and in compliance with legal and regulatory requirements.

• Oversees closing operations, manages internal teams and external title and settlement partners.
• Provides guidance on complex legal and title matters.
• Collaborates closely with Underwriting, Credit, Processing, and Funding to drive operational excellence, mitigate risk, and support timely loan funding.

What Success Looks Like

• Standardize closing procedures, legal checklists, and document standards to ensure compliant, error-free loan closings.
• Improve Clear-to-Close turnaround times by streamlining legal and documentation workflows.
• Strengthen quality control processes to reduce post-closing defects and mitigate legal risk.
• Build strong partnerships with closing attorneys, title companies, and settlement agents to improve service levels and operational efficiency.
• Serve as the legal and operational expert on complex transactions, supporting sound deal structuring and timely loan funding.

What You'll Be Doing (Key Responsibilities)

• Lead the Closing Team – Manage and develop closing staff while ensuring timely, accurate, and compliant loan closings.
• Oversee End-to-End Closings – Direct the closing process from Clear-to-Close (CTC) through funding, ensuring all legal, title, and funding conditions are satisfied.
• Provide Legal Oversight – Review and approve loan documents, title commitments, settlement statements, and legal exceptions to protect the company's collateral position.
• Manage Attorney & Title Relationships – Oversee closing attorneys, title companies, settlement agents, and escrow partners, establishing performance expectations and service levels.
• Resolve Complex Closing Issues – Serve as the primary escalation point for title defects, lien priority, vesting issues, legal disputes, and state-specific closing requirements.
• Ensure Regulatory Compliance – Maintain compliance with federal and state lending regulations, investor requirements, and company policies throughout the closing process.
• Partner with Cross-Functional Teams – Collaborate with Underwriting, Credit, Processing, Valuations, and Funding to resolve issues quickly and keep loans on schedule.
• Drive Process Improvement – Develop SOPs, implement quality controls, and streamline workflows to reduce closing cycle times and post-closing defects.
• Monitor Operational Performance – Track KPIs such as clear-to-close turnaround, closing cycle time, funding accuracy, defect rates, and attorney/title vendor performance.
• Support Complex Deal Structuring – Advise leadership on legal risks, document requirements, and transaction structures for complex or exception-based loans.

Qualifications

• Bachelor's, Associate's, or equivalent legal education (including a J.D.) preferred.
• 10+ years of progressive experience in mortgage closing operations, title, escrow, or lending.

Must-Have Requirements

• Extensive experience reviewing mortgage loan documentation, title matters, and legal closing requirements.
• Proven leadership experience managing closing teams, workflows, and third-party partners, including title companies, settlement agents, and closing attorneys.
• Strong knowledge of mortgage closing documentation, title review, lien perfection, and regulatory compliance, including TRID, RESPA, and TILA.
• Experience resolving complex closing, title, funding, and legal issues while ensuring timely and compliant loan closings.

Remote Work Requirements

• Stable, reliable internet connection.
• Professional and dedicated remote working setup.

Preferred Background / Industry Experience

• Experience in Non-QM mortgage lending or Merchant Cash Advance (MCA).

Key Soft Skills

• Leadership & Decision Making – Leads the closing team with confidence, makes timely legal and operational decisions, and drives accountability.
• Attention to Detail – Meticulously reviews legal documents, title matters, and closing packages to ensure accuracy and protect lien position.
• Communication & Negotiation – Clearly communicates with borrowers, attorneys, title companies, and internal stakeholders while effectively resolving conflicts and negotiating solutions.
• Problem Solving – Quickly identifies and resolves complex legal, title, funding, and closing issues to keep transactions on schedule.
• Organization & Prioritization – Effectively manages a high-volume closing pipeline, balancing competing priorities while consistently meeting deadlines and maintaining compliance.

Specific Technical Skills Needed

• Mortgage Closing & Legal Expertise – Extensive knowledge of residential mortgage closings, loan documentation, title, escrow, and funding processes, preferably within the Non-QM or private lending sector.
• Real Estate & Lending Law – Strong understanding of mortgage law, lien perfection, title defects, vesting, UCC filings, state-specific closing requirements, and regulatory compliance (TRID, RESPA, TILA, etc.).
• Loan Documentation Review – Expertise reviewing and approving promissory notes, mortgages/deeds of trust, guaranties, settlement statements, payoff letters, and closing instructions.
• Title & Settlement Management – Ability to interpret title commitments, resolve title objections, coordinate with title companies and closing attorneys, and ensure first-lien perfection.
• Loan Origination & Closing Systems – Proficiency with Loan Origination Systems (e.g., Encompass), document preparation platforms, e-signature tools, and Microsoft Excel.
• Risk & Quality Control – Experience implementing legal quality controls, managing closing exceptions, minimizing post-closing defects, and ensuring investor and regulatory compliance.

What We Offer

• 💰 Compensation in USD.
• 🏖️ Benefits include paid time off (PTO).
• 🌍 Work Environment: Fully remote work environment.

Ready to Apply?

If this sounds like you, we'd love to hear from you - submit your CV in English and hit Apply!