Mortgage Loan Closer

Please reference the schedule and minimum qualifications listed below before applying. If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner. Job Summary Accurately analyzes processes and procedures in the closing area and make recommendations on improving lending practices. Helps ensure compliance with credit union policy, procedure, NCUA, CFPB and others. Facilitates the closing of real estate loans according to real estate policy and procedures as well as compliance regulations. Job Description LOCATION Tanner Building - Hybrid: 7167 S Center Park Drive West Jordan, UT 84084 SCHEDULE Full Time To be effective, an individual must be able to perform each job duty successfully. Demonstrates strong analytical abilities when running and analyzing loan documents through Encompass and Pavaso systems. Also strong communication skills when approving and denying Closing Disclosures on purchases and mortgage refinancing requests and recommending approval and denials up to $1,000,000.00M Closes all Conventional loan products including MACU Portfolio Provides strong expertise in Secondary Market, CFPB, NCUA regulations regarding Ability to Repay, TRID, Fair Lending. Provides thorough understanding of MACU portfolio programs as well as secondary market guidelines for external investors (learning over 80 different programs, as well as 10 investors) their processes and guidelines of closing such application Uploads loan documents into Pavaso system for member and Title Company review Works with the Loan Officers to ensure files are being closed and shipped timely, files are being cleaned out, sent for scanning and all other department standards are being met or exceeded. Helps to maintain flow of information and communications between loan officers, processors, underwriters and credit union management to achieve the utmost effectiveness of department performance. Uploads loan documents to the UDCP (Uniform Data Collateral Portal) to Fannie Mae and Freddie Mac Works with training and development officer to provide ongoing training for staff to keep up-to-date on product and procedure changes. Works with Mortgage Operations Manager to create and maintain monthly reports to ensure loan productivity levels per loan closer are satisfactory, closed loans are being coded properly, and lock deadlines are being met. Works with closers and underwriters to oversee investor funding/suspensions and FHA uninsured loans are done within time allowed. All other duties as assigned. KNOWLEDGE, SKILLS, and ABILITIES The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. Experience One to Two years mortgage lending. Education Equivalent to a high school education. Licenses, Certificates, Registrations none Managerial Responsibility None Language Skills Must have the ability to read and interpret documents in English such as safety rules, operating and maintenance instruction, and procedure manuals. Ability to write routine reports and correspondence in English. Ability to speak effectively in English before groups of employees, members, or clients. Computer/Office Equipment Skills Intermediate to Advanced skills in the following: Adding machine/10-Key, computer operating skills (windows navigation, mouse/keyboard functionality), Microsoft Outlook, Microsoft Office Suite. Must have the ability to type a minimum of 35 words per minute PHYSICAL REQUIREMENTS/ WORKING CONDITIONS Physical Demands Ability to talk, hear, sit, use hands to handle or feel and reach with hands and arms consistently. Vision Requirements Close vision (clear vision at 20 inches or less) Distance Vision (clear vision at 20 feet or more) Weight Lifted or Force Exerted Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally Environmental There are no unusual environmental factors Noise Environment Moderate noise (business office with computers and printers, light traffic) ***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.*** #LI-FW1 Mountain America Credit Union is an EEO/AA/ADA/Veterans employer. Follow @MountainAmericaLife on Facebook and Instagram to see why our team members love working at Mountain America! Mountain America Credit Union is one of the foremost financial institutions in the country, with more than 95 branches located in 5 states (Utah, Idaho, Nevada, Montana, and Arizona). We believe that a healthy balance between work, home life, and play is essential to our team members and our success. We offer a friendly, comfortable and inclusive work environment, fun employee activities and exciting charity events to ensure that no day is dull at Mountain America. Our purpose is to help members enjoy a good life by providing them a positive incentive to save and manage their finances. We also give members easy access to their accounts and allow them to control their funds in a variety of ways, including ATMs, online home banking, mobile banking, direct deposit, automatic payment options and access through a large branch network. When making decisions, we always put members' needs first. It's just the way we do business and a part of the "people helping people" philosophy of credit unions.