Mortgage Loan Closer II

Position Summary

The Mortgage Loan Closer II is responsible for completing residential mortgage loan closings, coordinating seamless, compliant loan closings from post-approval through funding and delivery. This role acts as a primary liaison between borrowers, loan officers, title companies, attorneys, and investors to ensure accurate documentation and strict adherence to regulatory standards. In addition to file management, the Mortgage Loan Closer II performs full settlement agent duties: clearing title conditions, finalizing settlement figures, and executing loan disbursements, checks, and wire transfers. The ideal candidate is detail-oriented and possesses a strong understanding of mortgage closing processes, title requirements, regulatory compliance, and settlement operations in a fast-paced environment.

GREENSTATE CULTURE:

At GreenState, our purpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success—now and in the future—is deeply rooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment to living our values is what brings our mission to life.

Pay range for this hourly position is $26.02 - $30.42/hr with a progressive benefits package.

Essential Duties and Responsibilities

Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change.

Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision.

Demonstrates a positive member service (internal and external) focus at all times.

Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.

Ensures confidentiality of member information.

Supports a diverse and inclusive work environment.

Coordinates mortgage closings by working with borrowers, realtors, attorneys, title companies, settlement agents, and internal teams to ensure timely and accurate closing transactions.

Reviews loan files to verify completeness, data integrity, underwriting approval conditions, loan terms, fees, escrow details, insurance requirements, and property information prior to closing.

Orders, reviews, and clears title commitments, searches, abstracts, liens, and other title-related issues to ensure marketable title before closing.

Prepares, reviews, and issues closing documents, Closing Disclosures (CDs), escrow statements, settlement figures, and recording documents while ensuring regulatory compliance and accuracy.

Ensures compliance with TRID, RESPA, investor, state, federal, and credit union requirements, including reviewing compliance reports and Uniform Closing Dataset (UCD) validations.

Reconciles funding worksheets, settlement statements, and final closing balances to ensure accurate loan funding and zero-variance disbursements.

Executes, verifies, and monitors wire transfers, loan proceeds, mortgage payoffs, seller proceeds, and third-party disbursements while following fraud prevention and wire verification protocols.

Audits funding and executed closing packages to confirm document completeness, required signatures, proper recording information, and readiness for post-closing review and investor delivery.

Maintains organized loan records within the Loan Origination System (LOS), assists with post closing exceptions and trailing documentation, and supports timely recording and investor delivery.

Participates in community involvement activities and provide operational support through cross functional projects, departmental initiatives, and other mortgage-related duties as assigned.

Job Requirements/Expectations

High school diploma or equivalent (i.e. GED)

Minimum one year of previous related work experience.

Interpersonal skills necessary to gather data from a number of sources and to represent positively the Credit Union during such contacts.

Ability to provide quality service to members by phone or in person or by email.

Ability to develop and maintain effective working relationships with co-workers.

Ability to prioritize assignments and organize work efficiently, to handle large volumes of details.

Ability to operate related computer applications, on-line terminal and other standard office equipment such as a calculator and typewriter.

Accuracy and attention to detail required.

Lending policies and Real Estate knowledge helpful.

Reports to work punctually, works all scheduled hours, and works overtime as necessitated by business demand.Demonstrates reliable attendance by arriving on time, fulfilling scheduled work hours, and working additional hours as needed to support business demands.

Interpersonal skills to represent the Credit Union in a positive way during member contact.Must be bondable.

Reporting Relationship

This position reports to the Supervisor Mortgage Closing.

Supervisory Responsibilities

This position is not responsible for the supervision of other employees.

Equal Opportunity Employment Statement

GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union. #LI #ID