Mortgage Closer - Kearny Bank

Closes 1st and 2nd mortgage loans in accordance with established policies and procedures and appropriate guidelines

• Prepares all closing documents required to close mortgage loans, ensuring documentation is complete and accurate; follows up with any discrepancies.
• Ensures that all loans meet guidelines for quality and regulatory compliance and investor closing standards are met.
• Maintains oral and written communication with customers, the processing department, closing agents, realtors, and builders to promote positive business relations and relate loan status.
• Establishes and maintains a thorough knowledge of all products and investor requirements to ensure quality closing packages and salability into the market.
• Performs verification that loans closed as scheduled.
• Reviews files prior to closing to verify that abstracts and/or title opinions are clear; forwards copies to all parties involved; reviews all surveys, termite inspections, final inspections, and verifies accuracy of closing conditions.
• Closes the loan; inputs information into computer, prepares additional documentation, balances account for closing, prepares package for closing agent and/or customer, and ensures timely recording of all documents and disbursement of all funds.
• Prepares and explains closing requirements to closing agent and/or customer.
• Protects bank collateral by reviewing and analyzing title work to verify that all liens are clear.
• Reviews and verifies executed closing packages to ensure all documents are signed appropriately and all fees are included with the package.
• Maintains knowledge of all mortgage and compliance policies and procedures.
• Completes all required paperwork and forms in an accurate and timely manner; prepares all required reports.

• HS diploma or equivalent required.
• Two to four years related experience or equivalent required.
• Thorough working knowledge of real estate documentation, policies, compliance, and procedures.
• High level of proficiency with mortgage loan processing and underwriting systems.
• Experienced in closing mortgages in both NY and NJ.
• Excellent written and oral communication skills
• MS Office proficiency required.
• Excellent customer service skills.

WORKING CONDITIONS:

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. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is regularly required to sit, use hands and fingers, handle or feel objects, use tools or controls, reach with hands and arms, talk and/or hear. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by the job include close vision, distance vision, peripheral vision, color vision, depth perception, and the ability to adjust focus.