Mortgage Loan Closer

United States·Charlottemid

Other

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Quick Summary

Overview

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance.

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Employee Applicant Privacy Notice

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Loan Closer supports the final stages of the mortgage process by coordinating directly with members, title and settlement partners, and internal lending teams to deliver accurate and timely loan closings.

In this role, you will manage a pipeline of loans from clear-to-close through document preparation and closing coordination. You will review closing documentation, reconcile Closing Disclosures, schedule closings with borrowers, and help resolve issues that could delay the closing process. Success requires strong attention to detail, effective communication, sound judgment, and the ability to manage multiple deadlines in a high-volume environment.

Responsibilities

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Review loan files and closing documents to confirm they meet company, investor, regulatory, and compliance requirements.
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Reconcile and approve Closing Disclosures before closing documents are released.
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Prepare accurate and complete closing document packages within established turn times.
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Schedule loan closings directly with borrowers and coordinate with title or settlement partners.
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Communicate clearly and professionally with members throughout the closing process.
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Identify missing, inaccurate, or inconsistent information and coordinate corrections with processing, underwriting, title, and post-closing teams.
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Maintain complete and accurate loan information and documentation within the loan origination system.
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Use checklists, job aids, and established procedures to confirm all required closing steps are completed.
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Manage a pipeline containing loans of varying products, complexity, and closing timelines.
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Prioritize files based on closing dates, document readiness, regulatory requirements, and member impact.
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Process a minimum of three files per day during normal business operations and adjust to changing production expectations established by management.
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Develop a strong understanding of the full loan lifecycle and how closing activities affect funding, post-closing, and the overall member experience.
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Consistently meet service-level expectations, quality standards, and closing deadlines.
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Work a Monday–Friday schedule within the operating hours of 8:00 a.m. to 6:00 p.m. Eastern Time.

A minimum of 2–3 years of recent, hands-on mortgage closing experience.
Experience personally reviewing and preparing mortgage closing documents.
Experience reconciling and approving Closing Disclosures.
Working knowledge of TRID requirements and their application during the closing process.
Experience communicating directly with borrowers or members regarding closing requirements, scheduling, and issue resolution.
Experience coordinating with title companies, settlement agents, processors, underwriters, and other lending partners.
Ability to independently manage a pipeline of loans with competing deadlines and varying levels of complexity.
Strong attention to detail and a demonstrated commitment to document and data accuracy.
Strong written and verbal communication skills.
Ability to prioritize, multitask, and make sound decisions in a deadline-driven environment.
Ability to follow established procedures while recognizing when an issue requires escalation or additional review.

Nice to Have

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Experience closing Conventional loans.
Experience closing FHA or VA loans.
Experience closing Home Equity loans.
Experience using Encompass or a comparable loan origination system.
Experience managing approximately 80–100 loan files per month.
Experience working in a high-volume mortgage lending environment.

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!