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Position Summary

The Residential Mortgage Closer is a position that is responsible for the preparation, review and delivery of all closing packages and instructions to settlement, as well as, performing all of the subsequent tasks that are required to deliver and fund each loan with its specific investor. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and delivery of accurate and compliant closing packages.

Essential Functions

• Prepare closing package and instructions and investor required documents
• Review HUD-1 settlement statement for accuracy and completeness
• Coordinate and communicate with attorney, title company, settlement agent, loan officer and processor in scheduling all closings
• Verifies accuracy of information on all closing documents (legal names, legal address, terms, rate, title work and insurance)
• Track closing file to confirm its return from the settlement agent in a timely manner
• Reviews and assembles post-closing package for delivery to investor, ensuring all documents are accurately signed and dated. Assures loan package is complete with any investor-specific requirements.
• Responsible for the timely delivery, follow up on post-closing conditions and funding of investor loans to ensure maximum profitability on all loans
• Ensures compliance with all FNMA, investor guidelines, as well as all state and federal laws
• Examine loan documentation to ensure accuracy and compliance with all state and federal policies
• Communicate with mortgage sales, operations and Management to maintain a high level of customer service
• Maintain a high level of efficiency to ensure closing dates are met
• Maintain current knowledge of all industry and bank program changes, policies and procedures
• Communicates with Management on a loan-by-loan basis in recommending exceptions to policy

Additional Functions

• Assist Loan Officer's by reviewing closing scenarios

Education and Experience

• 3-5 years closing experience required
• Ability to analyze title reports, HUD-1's, tax searches and insurance policies is required
• Detailed knowledge of regulations such as Truth in Lending and RESPA is required
• Detailed knowledge of standard closing procedures is required
• Must be extremely organized and detail-oriented
• High school diploma or equivalent required
• Four-year college degree preferred
• Excellent communication skills, both written and verbal, are required
• Excellent computer skills in a Microsoft Windows environment including proficiency in Word, Excel and Outlook are required

Skills/Knowledge/Abilities Required

• Ability to calculate figures and amounts
• Ability to read, analyze and interpret legal documents, government regulations and professional publications
• Ability to effectively present information and respond to inquiries from Senior Management, attorneys, vendors, government agents and the general public
• Ability to create and generate reports
• Ability to work independently with little supervision

All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability.

This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at-will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.

Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job, unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.