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Home Loans Post Closer

Guardian Credit Union ExternalMontgomery, Alabama

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Job Description

Completes the mortgage loan application process by closing the loan, disbursing the funds to the seller, realtor, previous mortgage company, auditing the loan file for accuracy and completeness, and preparing the file for imaging and permanent storage.

Major Duties and Responsibilities

  • Process and handle mortgage post-closing duties. Responsible for mailing mortgages and mortgage releases for recording. Review closer pipeline reports weekly to manage flow of anticipated closings. Communicate closely with processors and closing assistants regarding file status to gauge changes that may occur. Keep information in the origination system current so the pipeline reports are accurate.
  • Scan and images documents to mortgages LOS and symitar and updates files. Use pre-closing and post-closing (audit) checklists, to ensure accuracy of closing documents.
  • Pays appraisal invoices. Processes the checks by crediting and debiting the correct GLs.
  • Approves check vouchers in order for settlement check to be processed. Provides notarization on closing documents where needed.
  • Provides backup to coordinator role as needed and performs other duties as assigned.
  • Must comply with applicable laws and regulations, including by not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

ADA Requirements

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.

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