As the Home Mortgage Closing Specialist, you will be responsible for the accumulation and analysis of documentation needed for the preparation of closing documents along with directing department workflow. You will communicate with the title companies, escrow agents and attorneys.

Primary responsibilities include 

•  Review loan files to ensure all required documentation is present and accurate.

• Coordinate with title companies, attorneys, and borrowers to schedule closing appointments.

• Verify that loan terms, interest rates, fees, and other details match the original loan agreement.

• Disbursement of funds following the closing.

• Communicate effectively with all parties involved in the transaction to ensure a smooth and timely closing.

• Receive and review closing documents for completeness and accuracy.

• Communicate any deficiencies with customers and account executives and obtain missing documentation and/or corrections as necessary.

• Pull reporting daily to manage pipeline

• Prepare Closing Disclosure, Closing packages, on all different products that include CEMA, COOP, Portfolio, FHA, CHFA, HELOCs and HELOANS

• Follow TRID guidelines when it comes to VCC , avoiding cost to cures

• Follow TRID guidelines when it comes to CD acknowledgement to ensure closing dates are not missed.

• Reconcile wire and make sure you balance with our Settlement Agent before sending funds

• Review all closing conditions, making sure all funding docs have been collected to issue funding authorization timely

• Meet or Exceed production requirement 40 loans min / month

• Meet or Exceed an average Quality performance 95% or better

Qualifications, Education, Certifications and/or Other Professional Credentials

• 3-5 years of Home Mortgage Closing Experience

• Knowledge of TRID 

• Familiar with cost to cure when it comes to VCC (valid change circumstance)

• Office Experience 2-3 years of work experience in either an office or retail environment

• Banking or mortgage experience 2-3 years knowledge of DTI and LTV ratios with ability to decipher loan documentation and related reports and/or websites

• Customer Service 2-3 years’ experience in oral and written communication with internal and external customers

• Ability to work under pressure and meet tight deadlines.

• Time management and ability to meet deadlines is critical to this position

• Attention to detail and organizational skills are required

• Requires work in a fast pace environment with the ability to multitask

• High School or Equivalent (GED) Required

Hours & Work Schedule

• Hours per Week:  40 
• Schedule:  Monday-Friday this role is hybrid in our Glen Allen office (4 days a week in the office)

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.