Senior Specialist, Mortgage Loan Closer

🔥 1 minute ago

🌾 Nebraska – Remote

🌾 Nebraska – Remote

💵 $45.3k - $72.5k / year

⏰ Full Time

🟠 Senior

👻 Ghost score 0%

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FNBO

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1857

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

FNBO is a financial institution that provides a wide array of banking services including personal banking, small business banking, commercial banking, and wealth management solutions. With over 165 years of experience, FNBO is dedicated to serving its customers through branch, mobile, and online platforms, offering products such as checking accounts, loans, mortgages, credit cards, and investment planning. The bank prides itself on excellent customer service and a strong commitment to community support.

📋 Description

• Create complete, compliant, and accurate closing packages for 1st Mortgage loans. • Act as a primary liaison between Mortgage Loan Officers, Settlement Agents, and Borrowers. • Validate fees, cross-reference data, and manage a pipeline of files under strict regulatory timelines. • Process Initial and Final Closing Disclosures (CD) in accordance with TRID and regulatory guidelines. • Validate third-party service fees and loan details. • Build escrow accounts using payment schedules, tax figures, and premium due dates. • Partner with settlement and title agents to finalize closing numbers and reconcile discrepancies. • Complete verbal Verification of Employment checks within 10 calendar days of closing. • Calculate, verify, and transmit wire originations to funding destinations. • Audit “At Closing” documentation and conditions before packaging files for Post Closing and Servicing departments. • Cross-train and provide back-up to the Initial Disclosure team. • Prepare and distribute Initial Disclosure packages, including the Loan Estimate (LE), within TRID-required timelines.

🎯 Requirements

• 3–5 years of mortgage loan closing and disclosure experience within a high-volume financial institution. • Working knowledge of the Encompass Loan Origination System (LOS). • Knowledge of TRID, RESPA, and TILA federal compliance guidelines. • Direct experience preparing closing paperwork for Conventional, VA, FHA, and State Bond programs. • Excellent verbal and written communication skills to handle customer, vendor, and sales-team interactions. • Candidates must possess unrestricted work authorization and not require future sponsorship. • Strong attention to detail, precision, and document accuracy. • Strong organizational and time management capability. • Critical thinking and issue-solving ability. • Flexibility to shift priorities between closing responsibilities and disclosure desk back-up.

🏖️ Benefits

• Medical, Dental, Vision Insurance • 401k, With Matching Contributions • Time Off Programs • Health Savings Account (HSA)/Dependent Care • Employee Banking • Growth Opportunities • Tuition Assistance • Short-Term/Long-Term Disability Insurance • Work-life balance • Remote work • Occasional travel for in-person meetings

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