JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short-Term & Long-Term Disability Benefits
• Employee Assistance Program 

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS  

Position:          Mortgage Loan Closer

Department:  Mortgage Loans

Reports to:     Mortgage Closing Manager

FLSA:             Non-Exempt                                                                                      

SUMMARY:

It is the responsibility of the closer to schedule closings and prepare closing documents in accordance with investor and RESPA guidelines. This position requires working closely with the Operations Team, Mortgage Loan Officers, Title Companies, and Realtors.

SUPERVISORY RESPONSIBILITIES:

None

ESSENTIAL FUNCTIONS:

• Daily pipeline management.
• Audit file to ensure fees are accurately input and meet guidelines established by KFCU, VA, FHA, USDA, FHLMC, and FNMA.
• Review title to ensure lien perfection prior to closing.
• Ensure early disclosure is delivered with established timeframes.
• Produce accurate timely closings within contract and lock expiration dates.
• Identify tolerance violations and work with funder to provide resolution.
• Schedule and coordinate all closings with appropriate parties.
• Prepare Closing documents and provide to settlement agent within 48 hours of closing.
• Provide extraordinary service to both internal and external members.
• Attend all closing meetings and complete training as assigned by Manager.
• Work closely with Post-Closing and Pre-Settlement Audit to minimize exceptions.
• Complete verbal verifications of employment as required by loan program.
• Act as a collaborative partner with the Compliance Department and all other departments within KFCU focusing on solving real problems from a regulatory/compliance perspective for internally and externally raised issues.
• Self-starter, ability to work independently.
• Maintains the highest level of confidentiality with all information obtained.
• Comply with all department and KFCU policies, procedures, and regulations.
• Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).
• Complete all required Closing Department regulatory training.
• Maintains knowledge of and adheres to KFCU’s internal compliance policies and

Other Duties and Responsibilities:

• Serves as a back-up to the other Mortgage Closing personnel, as
• Other duties as assigned.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• High School diploma or equivalent required. Some college desirable or a combination of education and experience which demonstrates the ability to perform the functions of the

Experience and Other Requirements:

• 2+ years’ experience as a Mortgage Closer preferred.
• Must exhibit a basic comprehension or arithmetic competency and possess basic clerical skills, including operating a
• Must possess the ability to meet established productivity
• Proven investigative skills.
• Ability to work in a fast-paced environment & under pressure as needed.
• Must possess an outgoing personality with a helpful attitude and well developed sales culture attitude toward credit union services and
• Accuracy and attention to details
• Ability to utilize resources available to complete assigned projects.
• Must possess and maintain good interpersonal skills with members and other
• Must become familiar with all KFCU guidelines, policies and procedures, departments, and their relationship.
• Must become skilled in Mortgage Loan
• Must be capable of communicating with insurance agents, attorneys, appraisers, Realtors, and other vendors that supply services for KFCU mortgage loan
• Must become knowledgeable with all KFCU products and services, in order to cross-sell to members and
• Must display a willingness and ability to be cross-trained throughout the
• Must possess an on-going ability to keep abreast of changing policies and
• Must maintain confidentiality and display
• Overtime may be required as work and circumstances

Computer Skills:

• Extensive use of personal PC
• Must be proficient in the Lending Operating
• Must be proficient in Microsoft Word, Excel, as well as use of internet and e-mail.

Interpersonal Skills:

• Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting

Certificates, Licenses and Registrations:

Must be able to register under the SAFE Act.

PHYSICAL DEMANDS:

The physical demands 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.

While performing the duties of this job, the employee is regularly required to sit, stand and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move up to 10 pounds.

WORK ENVIRONMENT:

The work environment characteristics 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.

Extensive use of desktop computer is required. The noise level is that of a normal office environment.

DECLARATION:

The human resources department retains the sole rights and discretion to make changes to this job description.