Mortgage Loan Closer

Mortgage Loan Closer American National Bank & Trust - 4.3 Wichita Falls, TX Job Details 7 hours ago Qualifications Report writing Compliance with loan regulations Basic math High school diploma or GED Decision making Productivity software

Technical Proficiency Full Job Description Description:

GENERAL DESCRIPTION

: The Mortgage Loan Closer performs closing functions that include preparing closing instructions and closing disclosures.

ESSENTIAL FUNCTIONS OF JOB

: 1. Reviews and prepares closing instructions for department loans. 2. Reviews and prepares all closing disclosures. 3. Prepares and send full closing package to title/borrower. 4. Maintains all files in Encompass and ensures accuracy for reporting to management. 5. All other tasks as assigned by supervisor.

Requirements:

REQUIRED SKILLS

:

COMMUNICATION SKILLS

Ability to communicate effectively with realtors, builders, title company personnel, agents, and Bank personnel; ability to read, analyze, and understand general business- and company-related documents, including mortgage and closing documents; ability to write routine reports and correspondence; ability to speak effectively before groups of customers and/or employees.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume; ability to apply concepts such as fractions, ratios, and proportions to practical situations.

SOFTWARE SKILLS/EQUIPMENT REQUIRED

Proficiency in computer programs, including accounting, spreadsheet, and word processing applications; ability to operate standard office equipment and other specialized or advanced systems as required.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where limited standardization exists; ability to utilize common sense understanding to carry out written, oral, or diagrammed instructions.

ACCURACY

Probable errors of internal and external scope would have a moderate effect on operational efficiency. Errors may go undetected for a period of time and could result in further errors, losses, or reputational impact.

SUPERVISION RECEIVED

Under immediate supervision, with the ability to independently perform routine work and refer questionable cases to a supervisor.

PLANNING

Considerable responsibility for planning time, method, and sequence of work.

DECISION-MAKING

Performs work operations which permit frequent opportunity for minor decision-making affecting departmental operations and customer outcomes.

MENTAL DEMAND

Requires close and continuous attention, with intermittent independent judgment in selecting appropriate processes, materials, and methods.

ANALYTICAL ABILITY / PROBLEM-SOLVING

Moderately structured work requiring application of learned procedures in somewhat varied situations.

PUBLIC CONTACT

Routine contact with customers on routine matters.

EMPLOYEE CONTACT

Frequent interaction within the department and across other departments; requires tact and professionalism and the ability to work effectively with other personnel.

TECHNICAL KNOWLEDGE

Thorough understanding of Bank and investor regulations related to loan funding; extensive knowledge of mortgage lending requirements, including legal considerations and funding restrictions; ability to read and interpret mortgage and closing documents; ability to maintain accurate records and prepare related reports; ability to work under pressure with strong time management and attention to detail.

PHYSICAL

REQUIREMENTS and

WORKING CONDITIONS

While performing the essential functions of this job, this position is regularly required to sit or stand, and talk; may occasionally lift, move, push or pull up to 10 pounds. Specific vision abilities required by this job include close vision. This is an indoor position and the noise level in the work area is usually moderate.

REQUIRED EXPERIENCE / EDUCATION

: High school diploma or GED equivalent, plus knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Thorough understanding of Bank and Investors' regulations.

REPORTING RELATIONSHIP

This position reports directly to the Mortgage Loan Head Closer. The Mortgage Loan Head Closer reports to the Mortgage Operations Manger who reports to the Executive Vice President, Mortgage Operations. The Executive Vice President, Mortgage Operations reports to the President of American National Bank & Trust who reports to the CEO of American National Bank & Trust.

DISCLAIMER

This job description is representative only and not an exclusive or exhaustive list of all job functions that an employee in this position may be asked to perform from time to time. Duties and responsibilities may be changed, expanded, reduced or delegated by Management to meet the business needs of the organization. This document in no way constitutes an offer of employment or a contract of employment. ANB&T reserves the right to modify job descriptions, policies or any other procedural document at any time, for any reason, with or without prior notice. "ANB&T is an Equal Employment Opportunity / Disability / Protected Veteran Status Employer"