Mortgage Closer/Funder

Role:

The Mortgage Closer/Funder is responsible for preparing accurate closing documents, ensuring compliance with regulatory requirements, balancing loan funds with settlement agents, and authorizing disbursements. This role requires a high level of attention to detail, knowledge of TRID requirements, and strong communication skills to coordinate effectively with internal staff, title companies, and borrowers.

Major Duties and Responsibilities:

Closing Disclosure & Documentation Prepare, review, and issue Closing Disclosures (CDs) in accordance with TRID timelines. Balance final figures with title companies/settlement agents. Generate closing packages, ensuring accuracy, completeness, and compliance with investor/agency requirements. Verify all fees, charges, and terms align with loan approval and applicable regulations. Funding & Disbursement Review executed closing packages for accuracy and completeness. Authorize and process funding disbursements in compliance with company policies. Confirm settlement funds are accurate and delivered in a timely manner. Compliance & Quality Control Ensure compliance with federal, state, and agency regulations (TRID, RESPA, HMDA, ATR/QM). Maintain knowledge of investor guidelines and internal policies. Escalate any discrepancies or red flags to management for resolution. Assist with post-closing audits to ensure loan packages meet internal or investor delivery standards. Collaboration & Communication Partner with processors, underwriters, and loan officers to resolve outstanding conditions prior to closing. Communicate with title companies, attorneys, and settlement agents regarding loan conditions, balances, and disbursements. Provide support and guidance to borrowers regarding the closing process.

Knowledge and Skills:

High school diploma or equivalent (Bachelor s degree preferred). 2+ years of experience in mortgage closing or funding. Strong knowledge of TRID, RESPA, TILA, and agency/investor requirements. Proficiency with LOS systems. Strong organizational and time management skills. Excellent written and verbal communication skills. Ability to work independently while meeting deadlines in a high-volume environment. Core Competencies Detail-oriented with strong analytical skills. Member service focus with ability to explain closing requirements clearly. Ability to manage multiple priorities and deadlines. Positive Attitude- Maintain an optimistic outlook even during challenging situations. High ethical standards and commitment to regulatory compliance.

ADA Requirements:

PHYSICAL REQUIREMENTS

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion andoccasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must beable to operate routine office equipment including computer terminals and keyboards, telephones, copiers,facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day,when necessary. Must be able to work extended hours or travel off site whenever required or requested bymanagement. Must be capable of regular, reliable and timely attendance.

WORKING CONDITIONS

The position is based at the organizations headquarters in a professional office environment with regular interactionwith executive leadership. Occasional extended hours may be required to support Board meetings, executivedeadlines, or special initiatives.

MENTAL AND/OR EMOTIONAL REQUIREMENTS

Must be able to perform job functions independently or with limited supervision and work effectively either on own oras part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must beable to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able tospeak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmlyand professionally with numerous different personalities from diverse cultures at various levels within and outside ofthe organization and demonstrate highest levels of customer service and discretion when dealing with the public.

Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extremeaccuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changingpriorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Community First Credit Union is an Equal Opportunity Employer. Community First values and celebrates diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected Veteran.