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Loan Closer

Company: Olympia Federal Savings
Location: Olympia
Posted on: November 20, 2019

Job Description:

Olympia Federal Savings employees love the places we work and the communities we serve. In addition to a generous benefit package and opportunities for career growth, Oly Fed employees are able to boast about working for an Association with a positive reputation and a proven commitment to our communities. We have been voted as one of the top 10 of the 100 Best Companies to Work For by Seattle Business Magazine in 2019! We are looking for a Loan Closer to join our team! The Loan Closer will gather, prepare and accurately process documentation required to properly close all types of Association mortgage and consumer loans. Clear title, order updated loan payoff quotes, verify proof of insurance and disburse funds at closing as authorized. Schedule and conduct loan closing interviews with Association borrowers on all types of mortgage and consumer loans. ESSENTIAL DUTIES & RESPONSIBILITIES:

  • Coordinate the preparation and input of documents required to ensure proper closing of Association mortgage and consumer loans, requesting supervisors assistance only with the most difficult or unusual files.
  • Review and audit loan files for federal lending regulation compliance.
  • Schedule and conduct loan closing interviews with Association borrowers on all types of mortgage and consumer loans, including 1 4 unit dwellings, SPEC, land development, lot and automobile loans. Disburse funds at closing after receiving clearance on the required recorded/filed documents
  • Gather, prepare and accurately process documentation required to properly close all types of Association mortgage loans, such as Promissory Notes, Addendums, RESPA statements, Deeds of Trust, Riders and Regulation Z disclosure form, etc.
  • Gather, prepare and accurately process documentation required to properly close all types of Association consumer loans, such as Vehicle Certificate of Ownership applications, title documentations and filing of UCC forms.
  • Clear title on property securing Association loans; pay off current liens, pay taxes due and obtain documentation of the resulting cleared title. Work closely with outside escrow companies to ensure all documents prepared are in compliance.
  • Back up Loan Closers, and other lending staff as needed.
  • Accurately prepare Loans-to-One Borrower documentation.
  • Maintain and follow up on loan files in pending status. KNOWLEDGE, SKILLS AND ABILITY REQUIREMENTS:
    • Project a professional, business-like image.
    • Have excellent public and customer relations skills to effectively communicate with internal and external customers, determine their needs, maintain their confidence and goodwill, and establish and maintain effective relationships.
    • Requires a thorough understanding of banking regulations and Association policies and procedures with demonstrated ability to quickly and independently interpret and apply policies and regulations.
    • Must have organizational skills and composure at all times, even in under pressure situations. Requires flexibility and adaptability to prioritize a fluctuating workload in a fast-paced, customer-driven environment.
    • Ability to utilize a variety of analytical techniques and exercise independent judgment to solve problems and identify strategies to solve complex customer needs.
    • Exercise customer confidentiality and discretionary judgment.
    • Requires exceptional written and verbal communication skills including the ability to clearly communicate and explain complex banking, lending and legal regulations and documents.
    • Requires proficiency in basic computer programs including Microsoft Office and Adobe with the ability to learn new software.
    • Ability to read, write, speak and understand English well. Arithmetic ability to perform basic calculations involving the use of decimals and percentages.
    • Maintain a working knowledge of applicable Association Policies and Federal Regulations including, but not limited to, Bank Secrecy Act, Customer Identification Program, Office of Foreign Assets Control, Privacy, Rights to Financial Privacy, Community Reinvestment Act, Fair Lending, Fair Housing Act, ECOA, RESPA, HPML, Truth in Lending, TRID and HMDA. QUALIFICATIONS:
      • Requires High school diploma, GED or equivalent skills.
      • Prior customer service experience.
      • One year experience in loan origination or servicing of real estate loans, supplemented by completion of appropriate courses, such as those offered by a financial institution.
      • Must be bondable. PHYSICAL DEMANDS & WORK ENVIRONMENT/CONDITIONS:Duties are performed in usual office conditions. Ability to operate standard office equipment including personal computer, standard keyboard, 10-key calculator and work a standard shift with repetitive wrist and hand movements. Ability to talk and hear. Ability to stand or sit for extended periods. Occasionally lift, move or carry items up to 15 lbs. Ability to concentrate on the matter at hand, under sometimes distracting work conditions. Requires manual dexterity and handling ability. Use hands and arms to finger, handle, grab and reach. Specific vision abilities including close vision and the ability to adjust focus. Work may involve eyestrain due to constant use of computer screens. Occasional walking, kneeling, stooping, crouching, and bending. Ability to be mobile office-wide for various business needs.The statements contained herein reflect general details as necessary to describe the principal functions of this job, the level of knowledge, skills and abilities typically required, and the scope of responsibility, but should not be considered an all-inclusive listing of work requirements. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods or otherwise to balance the workload. The physical demands and work environment and conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Olympia Federal Savings is an Equal Opportunity Employer and affirmative action employer. EOE AA M/F/Vet/Disability

Keywords: Olympia Federal Savings, Seattle , Loan Closer, Other , Olympia, Washington

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