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Mortgage Loan Closer at AMERICAN HERITAGE LENDING LLC

AMERICAN HERITAGE LENDING LLC
Posted on
Updated on
Salary:$28.00 - $30.00/hrJob Function:Accounting/Finance

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About This Position

American Heritage Lending, LLC located in Irvine CA is looking for a Mortgage Loan Closer.

Established in 2008, the company was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success - creating a caring experience for the families we service across the nation.

Position Overview:
Responsible for ensuring timely preparation and closing of mortgage loans through activities such as preparing, reviewing and maintaining loan closing documents. Responsible for maintaining loan quality by adhering to procedures, compliance requirements, underwriting and closing guidelines. Provides superior customer service to internal and external customers. Organizes and verifies the different aspects of the loan funding process including making sure all loan closing documentation is correct and executed correctly, all closing conditions have been satisfied.
Essential Duties & Responsibilities include:
  • Verify that proper loan disclosures have been provided to the borrower and are in the loan file.
  • Prepare and review critical closing documents for mortgage loans.
  • Coordinate closing figures with the title company or escrow officer.
  • Resolves title problems and other related closing issues to ensure correct lien position.
  • Coordinate the closing process between all parties involved in the closing: customers, loan originators, attorneys, closing agents and realtors.
  • Verify wire instructions, title company information and provide funding authorization.
  • Review accuracy of closing documents and confirm any closing conditions are satisfied.
  • Provide daily funding reports for tracking of completed and pending wires.
  • Ensure that all required loan documents are delivered to the loan closing in a timely manner.
  • Follows up on any deficiency requests by Shipping and Post-Closing to ensure timely procedures for loan funding.
  • Verifies loan closing documentation is correct and executed correctly.
  • Ensures all closing and funding conditions have been satisfied.
  • Funds mortgage loans by performing the applicable wire transfer transaction through the Bank wire department.
  • Promotes the Bank’s products and services whenever possible; participates in bank sponsored events, networking and volunteer opportunities at every opportunity
  • Provides service that aligns with Reliant Bank’s Brand Promise: We are a growing community of friends – one relationship at a time
  • Follows all regulatory rules and regulations, immediately reports any suspicious behavior and/or situations that may result in criminal or emergency incidents, and completes all required training in a timely manner
  • Ability to work closely with other departments within the organization to resolve any issues related to closing documents
  • Performs other tasks and projects as needed

Experience & Minimum Qualifications (Skills, Knowledge & Abilities):
  • College degree in business related field or equivalent professional experience preferred.
  • Three or more years of mortgage closing experience preferred, including Conventional, VA, FHA, State Bond programs, etc.
  • Knowledge of document prep systems (Doc Magic experience preferred)
  • Proficient understanding of mortgage banking concepts and regulations
  • Comprehensive understanding of HVCC, TILA and RESPA guidelines
  • Ability to communicate effectively through writing, speaking and listening
  • Outstanding organization, attention to detail, analytical and problem resolution skills
  • Ability to work efficiently under time constraints, in a fast-paced environment
  • Ability to provide superior level of customer service
  • Strong Microsoft Office skills
  • Ability to work overtime as needed, especially the last ten business days of each month.
Essential Mental & Physical Requirements:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
  • Frequently required to sit, stand, kneel, stoop, or squat
  • Use hands or fingers to handle or feel objects, tools, or controls
  • Reach with hands and arms
  • Talk or hear
  • Specific vision ability includes close vision, distance vision, color vision, depth perception and the ability to adjust focus
  • Occasionally lift and/or move up to 25 pounds
  • Ability to analyze situations logically to identify causes and draw solid conclusions
  • Ability to anticipate the consequences of a situation
  • Ability to modify one’s own behavior to meet expectations of others
  • Ability to sustain one’s own emotions from interfering with responding effectively to internal and external customer’s needs
  • Displays honesty and trustworthiness; has a sense of personal accountability; maintains a moral conviction to do the right thing

Physical Demands:
The physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Work Environment:
This job operates in an office setting and largely sedentary, requiring the routine use of a computer and other standard office equipment. The ability to lift or move up to 20 pounds, bend, reach, and perform manual tasks may also be required. Remote work is an optional setting. Work environment characteristics are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is exposed to weather condition prevalent at the time. Business travel may provide for varying degrees of change in the work environment. The noise level in work environment is usually moderate.

Job Classification:
  • Non-Exempt
Location:
  • Remote
Benefits:
  • Medical
  • Dental
  • Vision
  • Matching 401(k)
  • Paid Time Off
  • Paid Holidays
Why American Heritage Lending:
  • We are a high-growth Company that doubled our staff in 2022
  • Competitive Salary
  • Wide Product Options - Bridge, Fix and Flip, FHA, VA, Conventional, Non-QM, DCSR, Hard Money Loans and more
  • We are not impacted by the volatility of the interest rate

This Company describes its culture as:

Family-Accountability-Integrity-Teamwork-Have fun along the way

Start your career today with American Heritage Lending!

Note: Nothing in this job description restricts the company’s right to assign or reassign duties and responsibilities to this position at any time. Reasonable accommodations may be made in appropriate circumstances to enable individuals to perform the essential functions of the position.


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