Mortgage Loan Closer

Company: First National Bank of America
Location: East Lansing
Posted on: May 13, 2022

Job Description:

Overview:At First National Bank of America, we're unusual in the way that we do business, meaning that no one else in the industry does what we do. FNBA is a niche lender, and we seek markets where there are fewer competitors with higher rewards. FNBA provides a full suite of consumer and business deposit services and products, specializing as a nationwide leader in the non-QM mortgage segment. We underwrite and service all of the loans we originate in house which allows us to focus on our clients individually, customize our guidelines on a case-by-case basis and build lasting relationships with our clients. Our retail loan officers and account executives are a dedicated group of individuals that work diligently to provide the best mortgage solutions for each client.Here at FNBA, we set out to be an exceptional bank and practice the culture, "Work hard, have fun and prosper" while consistently making effective decisions surrounding our products, our people and our services so that we can provide an exceptional experience for our customers, in a way that adds value to everyone.
As a Mortgage Loan Closer, you will work closely with our sales team, our customers and title companies, all of which will rely on you to be organized, accurate and approachable. This role will require an individual to be accommodating while adhering to necessary guidelines in a consistent, professional manner. Your daily responsibilities will include; preparing closing documents for our customers, balance funding amounts with title companies, ensure loan conditions have been satisfied and issuing funds to settlement agencies. A successful Mortgage Loan Closer will thrive at multi-tasking, have great attention to detail and exceptional follow-up skills. The ability to effectively communicate with others through written or verbal methods is a must. If working in a fast paced environment full of exceptional people with huge hearts is something you are interested in being a part of, and you possess the skills/talents described, we welcome you to apply to join the First National family!Responsibilities:

• Work with title, escrow, settlement agents and attorneys to facilitate the closing of a residential loan
• Ensure the accuracy and timeliness of loan documents
• Review Loan for compliance with RESPA, RESPA tolerances, TILA and MDIA
• Prepare and send out closing disclosures (CD) for borrowers to sign
• Review all pre-closing requirements including hazard insurance & flood certifications
• Draw and release closing documents to the designated Closing Agent
• Updating, reviewing and validating loan data to ensure loan documents are accurate
• Review loan file to ensure all conditions of loan approval have been met and signed off by the appropriate party.
• Review signed loan documents to verify completed, signed and dated as required
• Balance final figures with the closing agent
• Authorize the release of funds to the borrowerQualifications:
  • 2-3 years mortgage industry experience preferred but not required
  • Encompass Loan Origination System experience a plus
  • Proficiency with Microsoft Office Suite
  • High School diploma or GED required
  • Must have a servant's heart and a desire to learn
  • Ability to work consistently against required time-linesWork Environment:
    Position will often be in a busy office environment. The ability to multitask and focus in this environment is essential.
    Employee benefits
    • Medical - Multiple plans to choose from including HSA and traditional. Premiums as low as $0.00
    • Dental - Premiums as low as $0.00
    • Vision - Low premium Plan
    • Paid Time Off (PTO)
    • 401k with employer match
    • Adjustable desks that can be raised or lowered to sit or standFirst National Bank of America recognizes that the quality of our people is the foundation for our success. Attracting exceptional individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy.
      Job Type: Full-time
      Location: East Lansing, MI
      Note: These statements are intended to describe the general nature and level of work involved for this job. It is not an exhaustive list of all responsibilities, duties, and skills required for this job.
      First National Bank of America is an Equal Opportunity Employer.

Keywords: First National Bank of America, East Lansing , Mortgage Loan Closer, Other , East Lansing, Michigan