Sr. Specialist, Mortgage Loan Closer

Closing Operations

• Complete Closings: Process Initial and Final Closing Disclosures (CD) in accordance with TRID and regulatory guidelines.
• Fee Verification: Validate all third-party service fees and loan details
• Escrow Management: Build precise escrow accounts utilizing accurate payment schedules, tax figures, and premium due dates.
• Partner Collaboration: Partner closely with settlement and title agents to finalize closing numbers and reconcile discrepancies.
• Verbal VOEs: Complete required verbal Verification of Employment checks within 10 calendar days of closing.
• Financial Funding: Calculate, verify, and transmit accurate wire originations to funding destinations.
• Document Review: Audit all "At Closing" documentation and conditions prior to packaging files for Post Closing and Servicing departments.

Initial Disclosures

• Pipeline Support: Assist the Disclosure Desk by preparing and distributing Initial Disclosure packages—including the Loan Estimate (LE)—within TRID required timelines.

Key Skills

• Attention to Detail: Absolute focus on precision, ensuring document accuracy and thorough monitoring of compliance parameters.
• Time Management: Strong organizational capability to manage closing queues.
• Critical Thinking: Systematic approach to synthesizing loan details, solving issues, and establishing closing facts.
• Adaptability: Flexibility to shift work priorities dynamically between closing responsibilities and disclosure desk back-up.

Required Qualifications

• Experience: 3–5 years of mortgage loan closing and disclosure experience within a high-volume financial institution.
• Technical Systems: Working knowledge of the Encompass Loan Origination System (LOS).
• Regulatory Mastery: Knowledge of TRID, RESPA, and TILA federal compliance guidelines.
• Loan Programs: Direct experience preparing closing paperwork for Conventional, VA, FHA, and State Bond programs.
• Communication: Excellent verbal and written communication skills to handle customer, vendor, and sales-team interactions.

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

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FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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All our jobs will be posted for a minimum of 5 calendar days.  Job postings may come down prior to 5 calendar days based on volume of applicants.