• Ensure the closing team follows policies and procedures in all aspects of the loan closing process which includes preparing and sending closing documents, communicating with internal and external clients (loan offices, settlement agents, etc), confirming closings, and requesting disbursements
• Develop procedures and processes required to successfully close residential mortgage loans that are saleable to investors.
• Monitor team pipelines and workflow to ensure that the guidelines, expectations, and required timelines are being met at all times
• Ensure that all new closers and current are properly trained and that employee development is continuous with the new loan products and procedures
• Maintain monthly performance reports on all team members
• Hold a weekly meeting with Virginia Beach and Arizona ops closers to ensure the most up-to-date information is being conveyed to all closing teams and start consistently
• Update loan document systems (Docutech and IDS) to stay current with investors, new programs, and closing documents
• Hold annual "Culture Check-ups” and manage team member development plans
• Provide customer service to ops staff, closing team, settlement agents, and off-site employees or settlement companies with any needs about loan closings and procedures
• Close loans on an as-need basis depending on volume and staffing

Skills: Loan Closing Procedures, Process Development, Pipeline Management, Training and Development, Performance Reporting, Team Coordination, Document Management Systems, Customer Service and Support

• Manage a team of Closers and Team Leads - Assist with the workload as circumstances
• Serve as second-level point of contact for complex problems or matters requiring escalation
• Direct team and staff, assist in annual reviews and supervision of members and administer training, coaching, and corrective measures to team members
• Analyze reporting metrics to determine exception trends, recommend system changes, training and other activities to mitigate against investor exceptions
• Coordinate between underwriters, processors, and sales on files to prepare for closing and funding
• Manage error reports for Closing Disclosure (CD) and HUD errors
• Deal with personnel issues such as reviews, corrective action and counseling
• Responsible for the resolution of complex loan escalations
• Perform clerical functions, and assist post-closing in preparing the file for purchase from the investor
• Stay abreast of changing company policy, mortgage regulations, laws, and generally accepted industry best practices, and be willing to take the initiative to train and stay informed

Skills: Team Leadership and Supervision, Problem Resolution and Escalation, Analytical and Reporting Skills, Coordination and Communication, Error Management and Compliance, Personnel Management and Counseling, Complex Loan Escalation Resolution, Regulatory Knowledge and Training

• Develop and manage performance expectations within the teams
• Pipeline management to ensure teams are meeting service levels, production and quality standards
• Suggest procedural changes that would improve customer service, accuracy, and efficiency, and drive cost savings
• Provide excellent customer service to all Internal and External customers
• Partner with Leadership and Development and Operations Support in the preparation of training materials and policies and procedures for the closing and funding teams
• Manages expectations of corporate and other internal groups through effective communication and relationship-building
• Develop and maintain workflows
• Partner with peer operational managers to ensure strong communication, consistency and efficiency throughout the fulfillment process
• Ensure adherence to state, federal and FHA guidelines
• Serves as leader and mentor to the line-level managers by providing coaching and feedback to aid in the development of new skills and refinement of existing skills
• Respond effectively to customers (internal and external), and drive special projects

Skills: Performance Management, Pipeline Management, Process Improvement, Customer Service Excellence, Training and Development, Communication and Relationship Building, Workflow Development, Regulatory Compliance

• Directs daily operations of the Closing Department and supervises employees
• Hires, trains, assigns, disciplines, conducts performance appraisals and recommends salary adjustments and/or promotions.
• Prepares monthly incentive pay reports.
• Monitors closing calendar to ensure manageable schedule and closing completions.
• Establishes team efforts with other managers, to obtain efficiencies and cohesiveness.
• Establishes and implements short and long-range departmental goals, objectives, policies, and operating procedures.
• Keeps up to date on related laws and regulation changes, and communicates to necessary parties.
• Ensure adherence to company policy and procedures
• Responsible for driving productivity, quality and compliant processes that deliver superior customer service
• Manage capacity through appropriate staffing and processes
• Organizes, manages, and directs the Closing pipeline, assisting with any issues so there are minimal errors, and maintains quick turn-time on funding.

Skills: Operational Leadership, Team Management, Incentive Reporting, Scheduling & Planning, Strategic Goal Setting, Regulatory Compliance, Productivity & Quality Improvement, Capacity Management

• Review all closing-related loan support documents including loan approval, 1003, title fees, appraisal, Homeowner’s Insurance (HOI), Flood Insurance, credit report, tax information, mortgage insurance, and CD
• Prepare general closing instructions, Closing Disclosure (CD), loan payment form, and funding wire breakdown, review CD for accuracy and completeness and notify appropriate staff of any errors
• Review and update itemizations in the system
• Send the initial CD to the title company and borrower on time
• Notate at-closing all underwriting conditions
• Build closing document package and review for accuracy
• Review all documents that require execution for discrepancies in address, name, interest rate, APR, costs, and fees
• Run high-cost tests for compliance, while working with the originating Loan Officer or Processor to make adjustments
• Address any calls or questions related to the closing/closing package as applicable
• Coordinate and balance loan closing with title/escrow company on time
• Verify borrower’s required funds for closing are within approved tolerance and meet investor guidelines, along with all other closing requirements

Skills: Closing Document Review, Accuracy and Completeness of CD, System Updates and Itemization, Document Preparation and Packaging, Compliance and High-Cost Testing, Coordination with Title/Escrow Companies, Borrower Communication and Support, Fund Verification and Investor Guidelines

• Directs the daily activities of the Division Closing Department, as well as supervises all department employees. 
• Assists with interviewing and hiring new employees. 
• Develops subordinate skills and encourages growth, performs appraisals and conducts disciplinary action.
• Monitors the Division Closing pipeline, assisting with any issues so there are minimal errors, and maintains quick turn-times. 
• Monitors closing calendar to ensure manageable schedule and closing completions.
• Prepares appropriate documents for borrowers following loan-type programs and reviews closing documents for completeness and accuracy. 
• Review closed mortgage files to determine the quality to make sure closing instructions are met and that all documents were sent back with the closing package.
• Fosters quality focus and improves processes and service levels. 
• Ensures the highest level of the credit union and/or borrower service. 
• Fields and resolves credit union and/or borrower questions and complaints on time.
• Establishes team efforts with other managers, and establishes and implements short and long-range departmental goals, objectives, policies, and operating procedures.
• Keeps up to date on related laws and regulation changes and assists with and recommends changes to policies and procedures. 
• Secondary backup to Closing functions, and adheres to all State and Federal regulations.

Skills: Team Leadership and Supervision, Talent Acquisition and Development, Process Improvement, Document Review and Compliance, Quality Assurance, Customer Service and Problem Resolution, Project Management and Scheduling, Regulatory Knowledge and Policy Implementation

• Previous experience in title, mortgage and/or real estate with leadership experience
• Must have a Licensed Title Agent
• Be a Notary Public and Remote Online Notarization (RON)
• Excellent organization, supervisory, customer service and communication skills
• High level of accuracy and attention to detail
• Must be able to thrive in a fast-paced, constantly changing environment
• Ensures there are current plans to guide the work unit and they are understood
• The ability to manage workflow to enhance productivity and minimize stress
• A willingness to learn and follow directions

Qualifications: BA in Business Administration with 5 years of Experience

• Thorough knowledge of the buying and selling process
• Keen organizational skills and people skills
• Good written and verbal communication
• Effective time management and task prioritization
• Comfortable with and talented at negotiating
• Advanced real-state transaction experience
• Able to work CST time zone
• Working experience with Residential, Title, or Escrow
• The ability to manage a team
• Real Estate License in either the following states including WA, CO, UT, TX or SC

Qualifications: BA in Economics with 2 years of Experience

• Financial Services and, if possible, mortgage industry experience
• Strong business acumen and ability to interface with executive management
• Working knowledge of Fannie, Freddie, FHA and VA guidelines
• Proficiency in the use of computers and software
• Results-oriented and performance management-focused
• Exercises good judgment with effective organizational skills
• Must be highly proficient in Excel and Word
• Must be a team player with strong attention to detail and able to work independently
• Proven track record at delivering timely and accurate information in a fast-paced environment
• Excellent critical thinking, problem-solving, mathematical skills and sound judgment

Qualifications: BA in Marketing with 4 years of Experience

• Mortgage-related working experience.
• Experience working in loan closing and funding
• Basic knowledge of loan documentation.
• Advanced computer skills including H20, Excel and Outlook.
• Advanced mathematical skills.
• Excellent interpersonal, written and oral communication skills.
• Familiar with reading and interpreting insurance policies
• Familiar with tax information, prelims, appraisals and settlement statements.
• Knowledge of MDIA, RESPA and REG Z disclosure requirements.
• Strong attention to detail and organization skills.
• Ability to work in a fast-paced environment.

Qualifications: BA in Finance with 3 years of Experience

• Proven track record in a customer-facing role within mortgage, financial services, insurance, banking, or FinTech. 
• Previous direct mortgage working experience
• Previous team management experience
• Strong understanding of production and pipeline projections
• High emotional intelligence and customer-centric mentality
• Proven demonstrations of improvement and tangible results
• A proven leader and mentor
• Excellent communication and relationship-building skills
• Ability to troubleshoot and tackle problems
• Highly adaptable and able to maintain composure in a fast-paced environment

Qualifications: BA in Accounting with 5 years of Experience

• Experience and knowledge in the mortgage industry.
• Previous similar or related experience in a management role.
• Work involves extensive personal contact with others and is of a personal or sensitive nature. 
• Motivating, influencing, and/or training others is key at this level. 
• The ability to influence and/or sell ideas or services to others.
• Ability to navigate on a computer system.
• Professional written and verbal communication skills
• Ability to complete projects within a tight time frame.
• The ability to motivate yourself and others
• Appearance and work habits express motivation and professionalism

Qualifications: BA in Management with 6 years of Experience