Mortgage Closer

Join a winning team of innovative thinkers, seasoned mortgage professionals, and financial experts. Build your career at Planet—recognized as a Top Mortgage Employer by National Mortgage Professional.

Job Summary

The Mortgage Closer is responsible for reviewing loan packages, scheduling loan closings, and preparation of loan closing documents prior to loan funding.

Essential Duties and Responsibilities

• Manages pipeline of loans to ensure service standards and financial goals are met. Reviews files for accuracy, updates information on LOS as needed, and clears closing conditions.  Prepares initial closing disclosure along with closing package. Ensures loans are in accordance with federal and state regulations such as, but not limited to, RESPA, HMDA, and Fair Lending Practices.
• Prepares, balances, and emails final closing disclosure to title company. Communicates with title company on final documents and ensures docs are delivered in a timely manner for scheduled loan closing.
• Balances final figures with title and orders wire from wire desk.
• Effectively communicates with team members as well as outside entities to facilitate a prompt, efficient closing of each loan.
• Reads and resolves any loan compliance issues during closing/funding process. Responds to and resolves any post-closing/audit findings.
• Performs other duties as assigned.

Position Requirements

Education

• High school diploma or equivalent required

Experience

• Three years loan closing/funding experience in residential mortgage

Functional/Technical Skills

• Working knowledge of RESPA disclosures, FHA, VA, FNMA, and FHLMC guidelines along with title commitments, hazard and flood insurance policies
• Effective written and verbal communication skills
• Demonstrates a commitment to quality customer service
• Strong attention to detail
• Well organized with the ability to multi-task
• Demonstrates strong time management skills with the ability to meet deadlines
• Works well with others
• Proficient in all compliance-related regulations including RESPA
• Strong mathematical skills
• Strong PC skills (MS Office products) and experience with mortgage origination systems
• Working knowledge of Encompass preferred

Environmental/Physical Demands

Work is typically performed in a standard office environment. 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. While performing the duties of this job, the employee is regularly required to sustain predictable work attendance, communicate with others, frequently required to stand, walk, sit, and use arms, hands and fingers to reach, handle or touch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus. Pursuant to the Americans with Disabilities Act, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of an employee. The Company reserves the right to amend or modify this document at any time and without notice.

Benefits

Our benefits package includes 3 comprehensive Cigna or Kaiser medical plans, dental, and vision insurance. We provide short term and long-term disability insurance, basic life insurance, 401(k), and 11 employer paid holidays. In addition, we offer supplemental benefits to include life insurance, critical illness and accident plans.                                                                                          

Planet Home Lending does not accept unsolicited resumes or candidate submissions from recruiters or employment agencies. In the absence of an enforceable, fully executed agreement for a specified position, Planet Home Lending has no obligation to pay any compensation or recruiter fee of any kind. In the event a recruiter, agency or other similar third-party submits a resume or candidate without a valid binding agreement, Planet Home Lending explicitly reserves the right to pursue and hire those candidate(s) without any obligation or compensation to the referring party. Any unsolicited resumes, referrals, or candidate submissions, including those communicated to a member of the Human Resources team or a hiring manager, shall be deemed the property of Planet Home Lending.  If you or your agency would like to be considered as a future recruiting partner, please email HR-Recruiting@planethomelending.com.