Mortgage Closer jobs in Oregon

Starting salary range: $22.80 - $26.20 per hour.

Location: Eugene, OR - Onsite Work Environment.

OCCU is here to enrich lives. We do this by hiring tenacious, humble, and big-hearted individuals who are driven to work hard; contribute to an outstanding member experience; support their community through volunteering and advocating for community needs and are dedicated to their own individual growth and development.

OCCU is looking for an experienced Mortgage Loan Closer/Funder to join our high performing team. The Mortgage Loan Closer/Funder’s primary responsibility is to assemble, prepare and review critical loan documents for mortgage loans. Work with Title/Escrow companies to coordinate the closing process and prepare final numbers ensuring TRID guidelines are met. They prepare and release the mortgage wire to the escrow company.

Every day you will:

• Consistently demonstrate alignment with OCCU vision and values.
• Work closely with third-party vendors such as title and escrow companies and outside lenders.
• Confirm scheduled closing/funding dates with title and escrow companies.
• Ensure the accuracy and issuance of the initial closing disclosure by confirming verification of down payment, escrow payments, seller concessions, payoff(s), invoices and cash to close requirements.
• Prepare loan closing documents for closing/funding, working closely with title and escrow officers’ companies.
• Issue and validate wire transfers.
• Fund home equity loans and lines of credit while maintaining effective tracking systems.
• Record all home equity loans and lines of credit with the proper county within required timelines.
• Ensure the accuracy and timeliness of closing disclosures and loan documents.
• Effectively communicate status and expectations to internal staff, loan originators and closing agents.
• Ensure data integrity by reviewing loan data in LOS system, DU/LP, Loan Transmittal and Mortgage Application.
• Ensure compliance of lock information and final fee sheets.
• Review loan for compliance with RESPA, RESPA tolerances, TILA and TRID Guidelines.
• Complete the appropriate information tracking required on each loan file.
• Maintain detailed notes in LOS conversation log through all loan transactions.
• Anticipate service issues and determine root cause and potential solutions.
• Provide feedback to management on suggested policy changes and/or enhancements.
• Provide status updates to management and stakeholders regarding issues and progress.
• Ensure that solutions maintain compliance with OCCU and regulatory standards.
• Adhere to all documented standards, guidelines and procedures.
• Collaborate with peers in other business units.
• Deliver quality work within specified timelines.
• Demonstrate strong organizational skills, attention to detail and ability to work both independently and in group settings.
• Organize workload to ensure priority responsibilities are completed with quality and as scheduled.
• Maintain the highest level of confidentiality regarding all sensitive, confidential and proprietary Credit Union information.
• Communicate ideas and processes in verbal and written form to executive staff, business units and staff in a clear and concise manner that is the parlance of each group.
• Follow all regulations and laws, including BSA.
• Must be eligible to perform origination functions on loans sold to Fannie Mae. (Eligibility is determined through public database screening.)

To thrive in this role, you must have:

• A minimum of two years of similar or related experience in mortgage lending.
• Requires a thorough knowledge of mortgage lending products and processes, knowledge of mortgage compliance, fair lending laws and related regulations.
• Must be able to understand Real Estate Documents and terminology.
• Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
• Knowledge of TRID, AIR, Regulatory Compliance and legal requirements.
• Experience using Encompass software program.

Qualified candidates for this position will have the relevant education and experience necessary to perform the essential functions and meet the minimum performance expectations for this position with or without accommodation.

OCCU offers a robust compensation and benefits package including:

• Low-cost medical, dental, and vision insurance.
• 401(k) retirement plan with employer match.
• Paid time off in addition to 12 paid holidays.
• Tuition reimbursement for eligible education and training.
• Company-paid short-term and long-term disability.

OCCU is an Equal Opportunity Employer.