Mortgage Closer
Company: UFCU
Location: Austin
Posted on: January 11, 2021
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Job Description:
JOB SUMMARYThis position will support the Mortgage Services
Department by working both individually and as part of a team in
order to facilitate the loan closing process. The individual in
this position will possess extensive knowledge of the closing
process in order to get UFCU mortgage loans closed on time and
accurately while upholding the credit union's mission, vision, and
values.ESSENTIAL DUTIES AND RESPONSIBILITIES Relative Weight (in %;
all functions' total should = 100%)Essential Function
Description30%* Thorough quality review of files to ensure all
information is correct including but not limited to: accurate fees,
terms, loan programs, insurance coverage.* Responsible for drawing
closing documents through Encompass or work with attorney to draw
closing documents and to obtain attorney review on all
loans.25%Coordinate with title companies to:* Deliver documents and
accurate closing instructions.* Prepare accurate Closing
Disclosures.* Answer any questions that may come out of
closing.25%* Is responsible for preparing the accurate Closing
Disclosure and sending it to all borrowers within UFCU and
regulatory timeframes.10%* Work with Underwriter and Processor to
ensure that all final closing conditions are met prior to closing
or funding.* Work with Shipping Department to clear errors and
omissions pertaining to closing documents and Closing
Disclosures.10%* Maintain knowledge of Mortgage Services processes,
procedures and guidelines including staying informed on industry
compliance and regulation standards.* Act as backup to review
funding package and issue final loan funding approval.100%*
Performs other duties as assigned.* Adhere to all company policies,
procedures and business ethics codes.* Complete required regulatory
Training as assigned.* Maintain strict adherence and compliance to
all laws, rules, regulations and internal controls specific to your
role, including but not limited to Bank Secrecy Act, Anti-Money
Laundering, USA Patriot Act, OFAC and Fair Lending
regulationsQUALIFICATIONSEducation* High School Diploma or
equivalent required.* Bachelor's degree or some college coursework
preferred.Experience* Minimum of one (1) year of mortgage
processing experience required* Two to Five years mortgage
processing experience preferredSpecialized Knowledge, Licenses,
Certifications, etc.* Familiarity with current mortgage lending
laws and regulations in Texas, understanding of documentation
relating to residential real estate lending and conventional
financing, and/or familiarity with credit union philosophies and
practices preferred.* Knowledgeable of all aspects of the federal
and state regulations dealing with Mortgage and Home Equity
lending.* Familiar with mortgage lending file organization and the
related documentation associated with mortgage files.*
Well-developed ability to manage multiple tasks/projects and
deadlines simultaneously.* Basic knowledge of the mortgage process,
documentation, requirements; governmental and agency requirements;
and terminology.* Strong verbal and written communication skills.*
Superior customer service skills are essential.* Ability to
consistently and effectively make evaluative judgments.* Encompass
experience preferred.* Bilingual in Spanish preferred.* Must be
bondable.PHYSICAL DEMANDS The physical demands described here are
representative of those that must be met by an employee in order to
successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.* While performing
the duties of this job, the employee is regularly required to sit;
use hands to finger, handle or feel; reach with hands and arms; and
talk or hear.* Specific vision abilities required by this job
include close vision, distance vision, peripheral vision and
ability to adjust focus.* The employee is frequently required to
stand and walk.* Employee will make extensive use of the telephone
requiring the ability to effectively and accurately explain complex
information.WORK ENVIRONMENTThe work environment characteristics
described here are representative of those an employee encounters
while performing the essential functions of this job. Reasonable
accommodations may be made to enable individuals with disabilities
to perform the essential functions.* This position may involve
periodic stressful conditions.* This position has direct exposure
to possible robbery.* May occasionally require an adjusted work
schedule, overtime, and evening/weekend hours.* May occasionally
move from one work location/branch to another.* Public contact
position, requiring appropriate professional appearance.* Frequent
computer use at a workstation up to two hours at a time.* The noise
level in the work environment is usually moderate.CRITICAL JOB
COMPETENCIESUFCU Core Competencies. In addition to fulfilling the
position's Essential Duties and Responsibilities, an individual
must demonstrate UFCU's Core Competencies:* Leading & Developing
Self* Organizational ImpactNothing in this job description
restricts management from changing any or all parts of the job
description at any time.#INDUFCU#ZR
Keywords: UFCU, Austin , Mortgage Closer, Other , Austin, Texas
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