Sr. Loan Closer

3 weeks ago

Costa Mesa, United States JMAC Lending Full time
Job DescriptionJob Description

JMAC Lending has thrived in the industry for over 25 years, providing exceptional service, innovative products, and unwavering support to our clients. At the heart of our culture and business philosophy is the commitment to surpassing the current market options, ensuring that we remain the top choice lender for our clients. Our dedicated associates possess distinguished credentials and actively engage in continuous education, balancing knowledge with valuable experience.

Our unwavering commitment to the highest ethical standards is the cornerstone of our company. With meticulous care, we efficiently execute the delivery of product pricing for wholesale and correspondent lending for our esteemed clients.

As we continue to grow, JMAC Lending is seeking a skilled Loan Closer to join our Closing department. In this role, you will carefully review and understand loan documents, facilitating open communication about loan files with JMAC's valued customers. If you are searching for a company that values exceptional results and unwavering integrity, this is the perfect place for you to thrive.

Key Responsibilities:

Review and Prepare Loan Documents

  • Prepare and review files for docs
  • Review data input to assure loan document information is accurate for signing
  • Provide an accurate review to ensure compliance with Federal, State, Investor and company policies
  • Up to date with all compliance with Federal, State, Investor and company policies
  • Conventional, VA, & FHA loans

Provide and Sign-Off Outstanding Funding Conditions

  • Complete funding review within the required turn time
  • Review outstanding funding conditions in a timely manner to make scheduled funding
  • Properly communicate and update applicable parties of funding status
  • Complete loan package for funding
  • Screen and/or protect documents for loan requirements

Resolve Discrepancies and Post-Closing Closer

  • Communicate with applicable parties regarding loan closing and loan delivery
  • Deliver loan file to investor with no funding purchase suspense
  • Assist in resolving any purchase suspense issues required before investor lock expiration

Review TRID Compliance

  • Finalize Final Closing Disclosure and issue Post Consummation Closing Disclosure if required
  • Properly review Final Closing Disclosure to ensure RESPA Compliance and validate tolerance thresholds
  • Upload and complete system entries with Final Closing Disclosure
  • Retrieve correct principal reduction check and correct system entry if required
  • Complete and verify Uniform Closing Dataset (UCD) for loan delivery
  • Review all LE's & CD's for correspondent loans if applicable
  • Run compliance test for correspondent loans if applicable

Requirements

  • 2 years of hands-on experience in mortgage as a Loan Closer
  • Thorough understanding of the guidelines and TRID with a minimum of 2 years of practical experience
  • Exceptional oral and written communication skills
  • Dependable and trustworthy
  • Meticulous attention to detail
  • Proficient in using computers
  • Capability to work autonomously

Benefits

Perks with JMAC Lending:

  • Competitive Base Salary with an attractive Bonus Plan
  • Comprehensive Health Care Plan, offering Medical, Dental & Vision coverage
  • Life Insurance coverage, including Basic, Voluntary & AD&D options
  • Generous Paid Time Off, including Vacation & Holidays
  • Retirement Plan with a 401k contribution
  • Short Term & Long-Term Disability coverage
  • Family Leave options for a healthy work-life balance
  • Access to Wellness Resources to promote your wellbeing

About JMAC Lending

JMAC Lending, Inc. is an Equal Employment Employer. We are committed to workforce diversity. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender identity or national origin.

DISCLAIMER: JMAC Lending is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

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