UMB Bank Mortgage Loan Closer in Kansas City, Missouri
What You'll Do:
The Mortgage Loan Closer is responsible to prepare the mortgage closing documents to assure they meet the terms per the conditional commitment and conform to Agency, Aggregator, Regulatory and Bank guidelines. The incumbent will:
-Verify all conditions are satisfied, review terms, agree with the approval, verify accuracy of interest rate and expiration dates, sales contract terms, insurance coverage, title commitment coverage, vesting, and accuracy of legal descriptions within the security instrument.
-Review the files for accurate and compliant disclosure history to ensure customer closing is not scheduled or completed unless issues have been resolved.
-Prepare the CD and approve final disbursements to the Title Companies.
-Run compliance checks for RESPA, TILA, HOEPA and QM compliance.
-Communicate with title insurance companies to make decisions on acceptability of encroachments, taxes, easements, endorsements, and assure a clear first lien position is met.
-Facilitate funding the product upon fulfillment of closing instructions.
-Work collaboratively with sales & other key stakeholder to correct any post closing issues.
-Perform other duties as assigned.
In this Role, You will Need:
-Demonstrates effective business communication skills (both verbal and written)
-Demonstrates excellent time management and organizational skills
-Demonstrates excellent customer service skills
-Demonstrates strong math and analytical skills
-Demonstrates ability to work effectively with all levels of professionals including borrowers, attorneys, title companies, etc.
-Demonstrates computer proficiency; experience using all Microsoft Office Applications
-Demonstrates knowledge of closings for multiple states
-Demonstrates knowledge of CONV, FHA, VA and USDA guidelines
-Demonstrates knowledge of RESPA and TILA lending regulations
Culture of Diversity and Inclusion: We are committed to building a strong UMB by hiring talented, high-performing associates with diverse backgrounds. Maybe you simply want to work at a company where you have a voice and an opportunity to share your unique ideas.
Please visit us at careers.umb.com to view a list of all available opportunities. UMB is an Equal Opportunity Employer. Principals only. No 3rd parties or agencies, please.
We strive to deliver the unparalleled customer experience, and show customers they can count on more from UMB. The same is true for our associates. You can count on more benefits, more training, more support, and more opportunity!
What you'll get:
Unique Benefit Programs : We offer a great benefits package including several unique programs like an incentive-based wellness program, parental leave, adoption assistance and health care for you, your spouse or domestic partner, your dependents and even your pets!!
Community Involvement: Giving back is a big part of who we are! We support several great causes throughout the UMB footprint. We even offer Volunteer Time Off, which allows associates to dedicate 16 hours a year to a worthy cause of their choice.
Who You Are:
-High School diploma or equivalent
-3 years current mortgage closing experience or a combination of mortgage closing experience and other mortgage experience
Professional Development: We provide our associates with the tools they need to support their career goals - including training, tuition reimbursement and career guidance.
-5 years current mortgage closing experience
Mortgage Loan Closer
1010 Grand Blvd