Job Overview

Responsible for ensuring the readiness and completeness of residential mortgage loans for closing and post‑closing, including Conventional, FHA, VA, USDA, CRA, and Construction Mortgage Loans. Provide support to mortgage loan closers, post‑closers, and mortgage compliance specialists. Ensure compliance with applicable state and federal regulations, company policies, and established Standard Operating Procedures (SOPs). Monitor workflow to ensure loans move through the pipeline efficiently and accurately.

Principal Accountabilities

Represent the Bank to internal and external customers in a courteous and professional manner through in‑person, written, and telephone communication. Ensure adherence to compliance standards, including the Bank Secrecy Act (BSA), documentation quality, timeliness, and loan volume requirements. Protect the confidentiality of customer and account information. Demonstrate Horizon Bank’s commitment to the communities it serves through participation in local organizations and events. 

Duties

• Adhere to and perform responsibilities in accordance with company and division policies.
• Maintain the loan pipeline and track loans in process to ensure timely completion.
• Maintain the Upcoming Closings spreadsheet and distribute it to the Mortgage Team twice weekly.
• Maintain the closing calendar, track all scheduled loan closings, and assign files accordingly.
• Review files to ensure readiness and completeness for closing, including:
  
  • Confirming adequate insurance coverage, loss payee clause and effective date
  • Ensuring payoffs are in file and current
  • Verifying all underwriter conditions have been satisfied
  • Confirming accuracy of names, addresses and vesting
  • Ensuring all regulatory requirements and timelines have been met
• Examine and verify authenticity of documents.
• Conduct due diligence by reviewing core mortgage documents for accuracy and compliance.
• Communicate effectively with retail mortgage lending staff, including mortgage loan originators, processors and underwriters, regarding updates on loans approaching closing.
• Coordinate with title companies to resolve title defects or outstanding conditions prior to closing.
• Prepare and deliver initial Closing Disclosures in accordance with regulatory requirements.
• Attend meetings as requested by management to stay informed of departmental, company, and regulatory updates.
• Verify completion of final verbal Verifications of Employment and loan quality credit checks.
• Respond promptly and appropriately to audit requests and inquiries.
• Provide file coverage for team members who are out of the office, following established group coverage procedures.
• Report suspicious transactions or unusual activity to supervisor.
• Conduct and document periodic risk reviews and generate reports as needed.
• Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions.
• Maintain customer confidence and protect bank operations by safeguarding private and confidential information.
• Participate in required training related to skills, compliance, risk management, and security, and apply knowledge to daily responsibilities.
• Perform other duties as assigned

Qualifications & Skills

• High school diploma or equivalent with a minimum of 2 years’ mortgage loan processing and/or mortgage loan closing experience. College degree in business, finance or related field of study preferred.
• Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending
• Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers.
• Ability to follow detailed instructions and a wide range of procedures requiring sound judgement.
• Ability to perform complex mathematical computations using various business machines and/or computers.
• Must have proficient typing and computer skills.

Core Competencies

Physical Requirements

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)