[Hiring] Closer @AMERICAN HERITAGE LENDING LLC

Role Description

Responsible for ensuring timely preparation and closing of mortgage loans through activities such as preparing, reviewing and maintaining loan closing documents. Responsible for maintaining loan quality by adhering to procedures, compliance requirements, underwriting and closing guidelines. Provides superior customer service to internal and external customers. Organizes and verifies the different aspects of the loan funding process including making sure all loan closing documentation is correct and executed correctly, all closing conditions have been satisfied.

• Verify that proper loan disclosures have been provided to the borrower and are in the loan file.
• Prepare and review critical closing documents for mortgage loans.
• Coordinate closing figures with the title company or escrow officer.
• Resolve title problems and other related closing issues to ensure correct lien position.
• Coordinate the closing process between all parties involved in the closing: customers, loan originators, attorneys, closing agents and realtors.
• Verify wire instructions, title company information and provide funding authorization.
• Review accuracy of closing documents and confirm any closing conditions are satisfied.
• Provide daily funding reports for tracking of completed and pending wires.
• Ensure that all required loan documents are delivered to the loan closing in a timely manner.
• Follow up on any deficiency requests by Shipping and Post-Closing to ensure timely procedures for loan funding.
• Verify loan closing documentation is correct and executed correctly.
• Ensure all closing and funding conditions have been satisfied.
• Fund mortgage loans by performing the applicable wire transfer transaction through the Bank wire department.
• Promote the Bank’s products and services whenever possible; participate in bank sponsored events, networking and volunteer opportunities at every opportunity.
• Provide service that aligns with Reliant Bank’s Brand Promise: We are a growing community of friends – one relationship at a time.
• Follow all regulatory rules and regulations, immediately report any suspicious behavior and/or situations that may result in criminal or emergency incidents, and complete all required training in a timely manner.
• Ability to work closely with other departments within the organization to resolve any issues related to closing documents.
• Perform other tasks and projects as needed.

Qualifications

• College degree in business related field or equivalent professional experience preferred.
• Three or more years of mortgage closing experience preferred, including Conventional, VA, FHA, State Bond programs, etc.
• Knowledge of document prep systems (Doc Magic experience preferred).
• Proficient understanding of mortgage banking concepts and regulations.
• Comprehensive understanding of HVCC, TILA and RESPA guidelines.
• Ability to communicate effectively through writing, speaking and listening.
• Outstanding organization, attention to detail, analytical and problem resolution skills.
• Ability to work efficiently under time constraints, in a fast-paced environment.
• Ability to provide superior level of customer service.
• Strong Microsoft Office skills.
• Ability to work overtime as needed, especially the last ten business days of each month.

Benefits

• Medical
• Dental
• Vision
• Matching 401(k)
• Paid Time Off
• Paid Holidays