Closer - Remote - CST

Closer - Remote Eligible -Must be available to work during CST business hours.

Under the general supervision of the Closing Manager, the Closer works to ensure the integrity of the customer experience and loan closing protocols. He/she performs duties related to closing mortgage loan applications and handling mortgage loan closing documentation, with an intense focus on the customer experience. The role’s primary duties are centered around communicating with all stakeholders, balancing closing figures, drawing closing packages, verifying compliance with closing fees and documentation, meeting closing conditions, and disbursing funds.

Essential Responsibilities:

• Maintain knowledge of all current conventional, USDA, bond, jumbo, FHA, and VA closing procedures issued by the company, investors, and government agencies.
• Schedule and prepare loans for closing.
• Balance fees and ensure fee compliance.
• Ensure accuracy of tax/insurance information and data entry.
• Ensure disclosure timing requirements are met.
• Close a pipeline of 45 or more active loans.
• Clear closing conditions.
• Ensure all critical dates within pipeline are met, including but not limited to closing dates and lock expiration dates.
• Meet all company Service Level Agreements (SLAs) regarding pipeline management and communication.
• Communicate with customers, mortgage consultants, real estate agents, operations employees, title/escrow companies, and insurance agents.
• Follow company prescribed approach when communicating with customers.
• Order wires and authorize disbursement of funds.
• Review documents for completeness and request additional information as required.
• Resolve defects/post-close issues.
• Ensure compliance with investor/legal guidelines and directives.
• Other duties as assigned.

Minimum Requirements:

These specifications are general guidelines based on the minimum requirements. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Individual abilities may result in some deviation from these guidelines.

• 1 or more years residential mortgage closing experience required.
• Strong customer service skills required.
• High school diploma or equivalent.
• Experience using Encompass preferred.
• Must possess strong mathematical and judgment skills.
• Must be detail-oriented, organized, and able to meet deadlines.
• Must comply with industry-related regulations, requirements, and state/federal laws.
• Ability to work independently to meet production and quality goals.
• Proficient with Microsoft Office suite.

Work Environment:

This position is eligible for an Alternative/Remote work assignment. The employee must agree to, abide by and perform under the following terms & conditions.

Performance Requirements

• Extensive telephone usage.
• Extensive oral and written communication.
• Regular use of computer mouse requires repetitive hand and wrist motion.
• Essential functions must be performed during scheduled business hours.
• Perform duties, be available and responsive during scheduled business hours.
• Accurately enters time worked.
• Must request preapproval for overtime hours.
• Employees are not allowed to work for any other company during scheduled business hours.
• Employees must follow all security protocols and requirements.
• Employees must meet or exceed performance expectations and goals outlined by the manager.

Location Requirements

• Employees must ensure that the environment is work appropriate and does not pose any undue risk.
• Employees must secure and protect the confidentiality of all data in his or her possession.
• Employees must protect and care for company issued equipment.

Notification

The responsibilities associated with this position may change from time to time in accordance with the Company’s business needs.  The incumbent may be required to perform additional and/or different responsibilities from those set forth above.

Equal Employment Opportunity and DEI

Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and makes employment decisions without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), parental status, national origin, age, disability, genetic information (including family medical history), military service, or other non-merit based factors and characteristics protected by applicable federal, state, or local law.