Closer
Company Name:
United Shore Financial Services
United Shore Financial
services
is one of the largest independent mortgage bankers in the United States
Headquartered in Troy, MI, USFS was founded more than 26 years ago on the principle of providing borrowers with the opportunity to pursue the American Dream of homeownership. The foundation of our success is our team of more than 1,000 experienced and dedicated professionals. Our lines of business cover the complete spectrum of residential mortgage lending from retail to wholesale. Our brands include Shore Mortgage, United Wholesale Mortgage and Capital Mortgage Funding. Our business has great momentum as we continue to emphasize our unique value proposition across each channel.
job
SUMMARY
The Closer is familiar with all loan products that are offered by the Company. The Closer works closely with Loan officers/ Account Executives, Processors/Underwriters, Third Parties, and Brokers. Works in a team environment. Maintain company policy
JOB DUTIES AND RESPONSIBILITES
Verify and update information in destiny is correct per loan approval--review all closing related loan support documents from BlitzDoc (i.e.: approval, 1003, appraisal, insurance binders, certificates, title commitment, CPL, tax worksheets, purchase agreements, GFE, TIL, lock, payoff, and invoices, etc.)
Provide prep package to title company at least three hours prior to scheduled closing. Generate closing doc prep package and review for accuracy and completeness. General closing instructions, HUD 1, loan payment form, funding wire breakdown
Effectively communicate with Title Company to obtain changes/corrections needed for HUD approval.
Give HUD approval and forward complete documents to title company/closing
agent
.--review for compliance and update destiny with additional fees and payees
Run high cost tests for compliance and work with
broker
to make adjustments as necessary.
Verify borrower's required funds for closing is within underwritings approved tolerance and meets minimum/maximum investment/down payment requirements.
Disburse file in destiny/forward wire request to accounting.
Upload approved HUD, TIL, interthinx, and wire into Blitz.
Scan and upload closer's package into blitz for funding review
Address and resolve any underwriting, GFE, TIL, lock problems or issues as needed
Attention to details to minimize errors
Must be willing to adapt to change in policies and/or procedures.
Be positive
Meet or exceed 24 hour closing from CTC
Time management--must be able to effectively manage time while working different steps of multiple loans. Complete assigned files in timely manner
Address any calls or questions related to the closing/closing package as applicable
Customer service is #1 priority--be polite, professional, and as accommodating as possible
Punctual and reliable--willing to work overtime when needed.
Refer excess credit/APR issue files, C of C issues to closing Support
manager
for assistance.
THE BEST EMPLOYEES HAVE LEARNED
Proper use and maintenance of all systems
Excellent communication skills, both verbal and written
To always provide the client with what was promised and then more
Truly care about people and their needs
Know how to prioritize their workday and never end the day with unreturned phone calls
Understand that we are all better together than apart (synergy)
MAKE IT HAPPEN and have fun!
JOB QUALIFICATIONS
High School Graduate
Minimum of two year's experience closing conventional, government or non-conforming loans
General knowledge of Underwriting, Product and Title Insurance requirements/procedures
Great, positive, winning attitude
Ability to be flexible and work under pressure
Excellent communication skills-written, phone and presentation
Strong
computer
knowledge and skills
Internet experience
Knowledge of lender paid and borrower paid compensation per TILA guidelines.
RESPA knowledge
Must be able to work shift 10:30-7:00PM.
Experience:
Mid-Level
Previous Mortgage Experience
DISCLAIMER
All the above duties and responsibilities are essential job functions subject to reasonable accommodation. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Employees may be required to perform any other job related instructions as requested by their
supervisor
, subject to reasonable accommodations. This document does not create an employment contract, implied or otherwise, other than an at will employment relationship. United Shore Financial Services is anEqual Opportunity/Affirmative Action EmployerEstimated Salary: $20 to $28 per hour based on qualifications.
United Shore Financial Services
United Shore Financial
services
is one of the largest independent mortgage bankers in the United States
Headquartered in Troy, MI, USFS was founded more than 26 years ago on the principle of providing borrowers with the opportunity to pursue the American Dream of homeownership. The foundation of our success is our team of more than 1,000 experienced and dedicated professionals. Our lines of business cover the complete spectrum of residential mortgage lending from retail to wholesale. Our brands include Shore Mortgage, United Wholesale Mortgage and Capital Mortgage Funding. Our business has great momentum as we continue to emphasize our unique value proposition across each channel.
job
SUMMARY
The Closer is familiar with all loan products that are offered by the Company. The Closer works closely with Loan officers/ Account Executives, Processors/Underwriters, Third Parties, and Brokers. Works in a team environment. Maintain company policy
JOB DUTIES AND RESPONSIBILITES
Verify and update information in destiny is correct per loan approval--review all closing related loan support documents from BlitzDoc (i.e.: approval, 1003, appraisal, insurance binders, certificates, title commitment, CPL, tax worksheets, purchase agreements, GFE, TIL, lock, payoff, and invoices, etc.)
Provide prep package to title company at least three hours prior to scheduled closing. Generate closing doc prep package and review for accuracy and completeness. General closing instructions, HUD 1, loan payment form, funding wire breakdown
Effectively communicate with Title Company to obtain changes/corrections needed for HUD approval.
Give HUD approval and forward complete documents to title company/closing
agent
.--review for compliance and update destiny with additional fees and payees
Run high cost tests for compliance and work with
broker
to make adjustments as necessary.
Verify borrower's required funds for closing is within underwritings approved tolerance and meets minimum/maximum investment/down payment requirements.
Disburse file in destiny/forward wire request to accounting.
Upload approved HUD, TIL, interthinx, and wire into Blitz.
Scan and upload closer's package into blitz for funding review
Address and resolve any underwriting, GFE, TIL, lock problems or issues as needed
Attention to details to minimize errors
Must be willing to adapt to change in policies and/or procedures.
Be positive
Meet or exceed 24 hour closing from CTC
Time management--must be able to effectively manage time while working different steps of multiple loans. Complete assigned files in timely manner
Address any calls or questions related to the closing/closing package as applicable
Customer service is #1 priority--be polite, professional, and as accommodating as possible
Punctual and reliable--willing to work overtime when needed.
Refer excess credit/APR issue files, C of C issues to closing Support
manager
for assistance.
THE BEST EMPLOYEES HAVE LEARNED
Proper use and maintenance of all systems
Excellent communication skills, both verbal and written
To always provide the client with what was promised and then more
Truly care about people and their needs
Know how to prioritize their workday and never end the day with unreturned phone calls
Understand that we are all better together than apart (synergy)
MAKE IT HAPPEN and have fun!
JOB QUALIFICATIONS
High School Graduate
Minimum of two year's experience closing conventional, government or non-conforming loans
General knowledge of Underwriting, Product and Title Insurance requirements/procedures
Great, positive, winning attitude
Ability to be flexible and work under pressure
Excellent communication skills-written, phone and presentation
Strong
computer
knowledge and skills
Internet experience
Knowledge of lender paid and borrower paid compensation per TILA guidelines.
RESPA knowledge
Must be able to work shift 10:30-7:00PM.
Experience:
Mid-Level
Previous Mortgage Experience
DISCLAIMER
All the above duties and responsibilities are essential job functions subject to reasonable accommodation. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Employees may be required to perform any other job related instructions as requested by their
supervisor
, subject to reasonable accommodations. This document does not create an employment contract, implied or otherwise, other than an at will employment relationship. United Shore Financial Services is anEqual Opportunity/Affirmative Action EmployerEstimated Salary: $20 to $28 per hour based on qualifications.
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