Closing Specialist II

Job title: Closing Specialist II

About the Role Mortgage loan closing specialists are responsible for assembling, preparing, and reviewing/verifying documents for a loan closing while ensuring all applicable state, federal, and regulatory requirements are met. The Closing Specialist must possess strong organizational and prioritization skills. A basic understanding of VA, FHA and Conventional TRID loan guidelines are needed.

What You'll Do

• Prepare loan closing documents within LOS (Encompass) and manage a pipeline of conventional, portfolio, and USDA loans.
• Complete accurate and compliant Closing Disclosure within TRID timing guidelines and monitor borrower receipt.
• Ensure accuracy of closing documents (names, rate, term, loan type, first payment date, escrow).
• Review underwriting closing conditions for salability and adherence to underwriting decisions.
• Coordinate funding dates with accounting and ensure accurate loan disbursements; verify fees comply with TILA/RESPA guidelines.
• Coordinate closing packages with title companies in a timely fashion and verify closes occur within investor locks.
• Analyze compliance reports (MAVENT) and order/interpret Uniform Closing Datasets (UCD).
• Cross-train in post-closing procedures and loan processing; maintain high attention to detail and customer service.
• Senior/II level responsibilities include managing pipelines for FHA/VA/Conventional loans and coordinating with correspondent lenders as applicable.

What We're Looking For

• Required: Proficiency with Microsoft Office, mortgage software, and residential mortgage documentation; strong time-management, conflict-resolution, and customer-service skills; detail-oriented under pressure.
• Preferred: Encompass LOS experience; TRID, FNMA/FHLMC, FHA, VA, USDA guidelines; multi-state closing and escrow or title expertise.
• Education: High School Diploma; 2- or 4-year degree preferred.
• Experience: Entry level 1+ years mortgage closing or 2-3 years mortgage industry; Intermediate 3+ years; Senior 5+ years including FHA/VA.

Nice to Have

• Closing in multiple states; Escrow or Title expertise.

Compensation & Benefits

• $21.89 - $27.11 per hour plus bonus.
• Full benefits for full-time employees including Medical, Dental, Vision, Life, Disability, Telehealth, 401k with up to 5% company match, and variable bonus pay.