Mortgage Closer

We are currently recruiting for a Mortgage Closer. The individual chosen will be responsible for processing all mortgage loan applications through closing according to secondary market as well as credit union guidelines and procedures. This is a hybrid position. 

Responsibilities include, but are not limited to:

Preparing necessary closing documentation, including the Closing Disclosure, funding sheet, TIL, escrow disclosure, checks/drafts, etc., for all 1st mortgage closings and equity loans over $75,000.

Preparing necessary closing documentation and performing closings for equity loans $75,000 and below at our Credit Union Center (CUC).

Checking files for proper documentation prior to closing such as check conditions are cleared, rescissions, commitment letters and lock-ins are in order, etc.

Communicating with members, attorneys, and staff to facilitate the setup of mortgage closings and updating information in mortgage software prior to closings.

Reviewing closing packages returned from attorney's office prior to funding loans.

Performing duties of Mortgage Processor and Opener/Clerk as needed and reviewing and organizing closing pipeline and assist as necessary in getting loans closed.

Assisting with post-closing document correction, assisting with reports as necessary and performing other related duties as assigned.

Performance Measurements include:

Assuring member service is top priority including treating members and other employees professionally with courtesy and respect and upholding MHV Service Standards.

Developing and maintaining a working knowledge of all types of mortgage products including secondary market guidelines and procedures.

Closing loans properly and accurately as well as in a timely fashion once they are cleared to be closed.

Assisting Mortgage Processor(s) and Mortgage Opener/Clerk with duties as needed.

Making valid suggestions regarding improvements to processes, forms, or functions in work area.

Acting as a good team player which includes promoting a positive, productive and supportive work environment.

Staying abreast of current trends affecting the financial services industry and having an overall knowledge of the credit union, its policies and procedures.

Continually expanding knowledge and develop skills.

Knowledge and Skills:

One year to three years of similar or related experience.

A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship program.

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involves a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Strong time management and the ability to manage multiple workloads with successful results. The ability to work independently with organizational skills, excellent verbal and written communication skills, and listening skills, are crucial to this role. Candidates must also be able to perform problem analysis and problem resolution and have above average interpersonal skills and strong computer skills (i.e., Microsoft Office).

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 20 lbs. Must be capable of climbing / descending stairs in an emergency situation. Normal range of vision and hearing abilities required. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Work is generally performed within an office environment, primarily in a climate-controlled environment with minimal safety/health hazard potential. Sedentary, sitting, standing, walking, occasional lifting (overhead, waist level) from floor, bending, frequent near vision use for reading and computer use, standard office equipment available.

Benefits include:

Medical, Dental and Vision - with no waiting period for coverage!

401(k) with employer match and non-elective employer contribution

Paid Vacation, Sick time and Holidays

Life Insurance

Short-Term and Long-Term Disability Insurance

Employee Assistance Program

Tuition Assistance Program

Professional Development Programs

Discounted Loan Rates and Fees

Equal Employment Opportunity Commitment

Mid-Hudson Valley Federal Credit Union (MHV) is an Equal Opportunity Employer. It is our policy to recruit and select applicants for employment without regard to age, sex, sexual orientation, religion, race, creed, color, national origin, military or veteran status, marital status, disability, genetic information, predisposition or carrier status, domestic violence victim status, or any other status protected by applicable law. Reasonable accommodation is provided in compliance with state and federal law. Please tell us if you require a reasonable accommodation to complete the screening and hiring process or if some sort of change or adjustment to the application/interviewing process is required.