Job Description

Job Code: 19272630 Job Title: Closer Department Reports To: Operations Manager FLSA Status: Non-Exempt Summary The Closer will review and input of necessary information to purchase a closed mini-c loan in accordance with Moder guidelines. Employee will review closing documents, loan disclosures, compliance timelines, and fees on the final Closing Disclosure. Possess a comfort level with communicating electronically as well as via phone. Effectively maintain a pipeline of loans. Attention to detail is very important for this position. Essential Job Functions May Include Ensure file and documents meet company and compliance requirements. Ability to accurately input information into Lakewood. Ability to multitask and remain focused and professional. Communicating efficiently with clients on items required and deadlines Provide excellent customer service at all times. Basic understanding of reviewing title work, homeowners insurance and flood certifications. Consistently meets deadlines. Assisting posting closing department with file deficiencies as needed. Review underwriting terms and conditions document to ensure all closing conditions are addressed. Review of Loan Estimates and Closing Disclosures for TRID compliance. Manage closing timeline to ensure in accordance with management instruction and ensure that appropriate file quality and timeliness are provided to clients. Communicate with clients on items required, deadlines and scheduling issues. Verify several aspects of the documentation and process including, but not limited to: property address, wire information for funding, information on insurance policy, information on the CPL and title commitment, and a fee quote Coordinate and communicate with client and processing team for correction and completion of all required documentation for the Closing Department. Develop in-depth knowledge of entire loan life cycle in order to fully understand implication of the work of the closing function. Become proficient with the document management system. Accurately electronically file documents and information in the system and ensure all information is complete and accurate. Use checklists and other job aides as necessary to accurately complete all required information. Basic understanding of all loan types \' Conventional, USDA, VA, FHA Maintain regular and punctual attendance. Scheduling closings with brokers. Reviewing file with broker to insure it is ready for closing. Preparing closing figures, reviewing Lakewood input to make sure the file information is correct. Reviewing flood certificate, H.O. Insurance, Title commitment to make sure they are correct. Balancing figures with Title company, preparing closing instructions to title. Either preparing tri-party check or ordering funds from corporate. Preparing closing documents, reviewing documents and sending package to title for closing. Reviewing funding only requests, reviewing the documents and ordering the funds. Answering telephone inquiries related to loan closing. Completing special projects assigned by Closer Supervisor/Ops Manager. Assisting with problem resolution in cooperation with post-closing department, as needed. Any other duties assigned by management. Other Related Duties Performs other related duties as assigned. Supervisory Responsibilities This position has no supervisory responsibilities. Qualifications To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Ability to work in a fast pace and deadline driven environment. Excellent working knowledge of Microsoft Office products Exceptional organizational and follow-up skills. Interact effectively with a diverse group of people. Work independently under minimal supervision. Ability to arrive for work on time and work overtime as required. Education And/or Experience Bachelor\'s degree (B. A.) from four-year college or university or one to two years related experience and/or training or equivalent combination of education and experience. Language Skills Ability to read, and interpret documents such as policy and procedure manuals, safety rules, operating and maintenance instructions. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Mathematical Skills Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Reasoning Ability Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. Personal/Organizational Contacts Regular and substantial contact with others. Contacts usually involve discussions related to policies and programs. Handles sensitive, complex, and/or confidential information. Customer Service Relationships Assesses and diffuses problem situations and requires influencing others to reach consensus. Requires tact and diplomacy to handle difficult customer relationships. Explores alternatives and creative solutions to meeting the needs of customers. Work Complexity Tasks are multiple and diverse with some interrelationship across processes. Work requires the direct application of a variety of procedures, policies and/or precedents. Independent Judgement/Problem Solving Performs duties within scope of general Company policies, procedures, and objectives. Analyzes problems and performs needs assessments. Uses judgment in adapting broad guidelines to achieve desired result. Regular exercise of independent judgment within accepted practices. Makes recommendations that affect policies, procedures, and practices. Refers exceptions to policy and procedures to the supervisor. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand walk use hands to finger, handle, or feel and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Employment Opportunity Moder is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans With Disabilities Act Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities The following statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Moder may change the specific job duties with or without prior notice based on the needs of the organization.

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