AVP of Closing - Northpointe Bank

The POWER of a CAREER! Northpointe Bank is seeking a detail oriented, customer service minded individual to join our team as an AVP of Closing. This position requires an individual who has the desire to make a difference within the organization. An exceptional ability to grasp new concepts and learn while providing excellent service is critical for this position.

If you have been looking for an opportunity in the banking/mortgage industry, have the desire to work hard, are dedicated to your individual success, and take pride in the achievement and growth within a team, then we want to hear from you!!!

The AVP of Closing will plan, direct, coordinate and oversee the residential Mortgage Closing department, ensuring development and implementation of efficient closing department and cost-effective systems to meet the current and future needs. Must be a process minded leader who strives to improve their departments to be as streamlined as possible utilizing the most up to date technology. Position requires an individual with the ability to interpret and apply policy, make decisions regarding what the organization will do in relation to the scope of the department, and exercise discretion about significant matters.

Responsibilities:
• Identify areas for process improvement and efficiency enhancement, implement best practices, and streamline workflows to maximize productivity and effectiveness.
• Review legal documents for loan closings to ensure accuracy and completeness.
• Monitor dashboard to ensure the closing department is meeting the required SLAs defined within procedures to meet the department goals.
• Maintain current procedures and develop new procedures as needed to support the department.
• Work closely with Product Development, Quality Control and Compliance to ensure that our mortgage documents and closings are compliant to meet the requirements of the loan product and regulations both Federal and State.
• Recruit, hire, train, lead, and manage daily activities of all closers.
• Lead periodic meetings to discuss improvement, provide feedback, and review changes.
• Lead a team of closers by coaching, mentoring, evaluating staff individually and as a team. Providing feedback formally via company policy to document employee performance.
• Be the escalation to help resolve complex closing related issues and collaborate with other leaders in the mortgage department to resolve. Complete in a professional manner
• Prepare regular reports and analysis on transaction activity, status, and performance metrics for senior management review.
• Primary contact for all closing questions and communication between sales, operations, and underwriting.
• Assist with research and implementation of policy/procedure to allow for the expansion of Lending products by working with Sr. Leadership.
• Work with Quality Control, Compliance and Capital Markets department on Audit findings due to closing deficiencies identified to find the root cause and provide management responses along with appropriate action plan to mitigate it from happening again.
• Prepare required documents necessary for the loan to close in compliance with regulations and investor requirements.
• Be able to perform closing duties as needed which may include Prepare closing package, Approval Final CD's, determine funding amount and send wire to title company.
• Stay updated with industry trends, regulations, and best practices related to loan Closing, and apply them to improve processes and ensure compliance.
• Extensive knowledge of the different requirements for closing Conventional, FHA, RD and VA loans as well as the differences of a refinance and purchase. Be proficient in State level requirements.
• Maintain industry knowledge by attending appropriate educational workshops/classes and/or by participating in other industry-related activities.
• Meet established standards and guidelines with regard to compliance, job knowledge, quality, attendance, efficiency, initiative, customer service, and overall performance.
• Maintain customer confidence by providing ongoing quality service and keeping all files and information confidential.
• Maintain up-to-date knowledge and compliance with internal policies and procedures. Understand and ensure compliance with laws, rules, and regulations affecting our institution.

Requirements:
• Bachelor's Degree or 5-7 years direct work experience in lieu of a degree required.
• 3-7 years of experience in managing closing, disbursement and onboarding processes for loan for residential Mortgage loan closings.
• At Least 5 years of experience working as a mortgage closer.
• Extensive TRID knowledge
• Proficient computer skills (i.e., Microsoft Word, Excel, Outlook, any other mortgage/banking software, etc.).
• Experience with working with mortgage document provider required. Experience working with IDS a plus.
• Experience working with Loan Origination System, Byte Enterprise a plus.
• Professional demeanor and interaction with all customers (internal and external).
• Superior analytical and organizational skills required with a keen attention to detail.
• Superior written and verbal communication skills required with emphasis on clarity, conciseness and relevance.
• Ability to understand legal agreements and regulations is required.
• Ability to manage multiple tasks effectively and efficiently under minimal supervision.
• Ability to work effectively in a team-oriented environment as well as independently.
• Ability to pay attention to detail while handling a high volume of work with multiple interruptions.
• Smart, quick seekers of knowledge who thrive on creating and developing new strategies, products, and programs for increasing capital to communities we serve.
• Any equivalent combination of education, experience, and training that provides the required knowledge, skills, and abilities.

Our Hiring Philosophy:
Northpointe Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy.

It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis.

Benefit Information:
• Medical
• Dental
• Vision
• Life, LTD, & AD&D
• Dependent Care Spending Plan (DCSA)
• Employer Stock Ownership Plan with 401(k) feature and company match
• Complimentary Banking Services
• Tuition Assistance

AA - EOE