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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage loan closing processes, including compliance with TRID, RESPA, and TILA guidelines, while ensuring accuracy and efficiency in documentation and communication with stakeholders.
Highest-signal resume keywords
Mortgage Loan Closing ExperienceTRID Compliance KnowledgeEncompass Loan Origination SystemAttention To DetailOrganizational And Time Management Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Closing Package PreparationInitial And Final Closing DisclosuresVerification Of Employment ChecksWire Originations CalculationEscrow Account ManagementFee ValidationData Cross-ReferencingDocumentation AuditingClosing Paperwork PreparationRegulatory Compliance
Soft Skills
Excellent Communication SkillsCritical ThinkingProblem-Solving AbilityFlexibilityTeam Collaboration
Tools & Technologies
Encompass Loan Origination System
Industry Keywords
TRIDRESPATILAConventional LoansVA LoansFHA LoansState Bond ProgramsHigh-Volume Financial InstitutionClosing DocumentationSettlement Agents
About the role
Key responsibilities & impact- 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
What you’ll need- 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
Comp & perks- 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