Closer - Remote CST

Job Summary:

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, 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.

Qualifications:

• 1 years residential mortgage closing experience
• Strong customer service skills required
• High school diploma or equivalent
• College degree preferred
• 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

• Extensive telephone usage.
• Extensive oral and written communication required.
• Regular use of computer mouse requires repetitive hand and wrist motion.
• Essential functions must be performed during regularly scheduled business hours.

Note:  We are a dynamic organization in a rapidly changing industry. Accordingly, the responsibilities associated with this job will change from time to time in accordance with the Company’s business needs. More specifically, the incumbent may be required to perform additional and/or different responsibilities from those set forth above.

Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and is committed to Diversity, Equity, and Inclusion in the workplace.  We prohibit discrimination and harassment of any type based on race, color, religion, age, sex, national origin, disability status, genetic information, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.