Mortgage Closer (Remote WA, CA, OR, ID) at Banner Bank

California, United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

High School Diploma/G.E.D. (Required)
2 or more years of experience in mortgage closing or funding and experience with FHA and VA loans (Required)
Knowledge of all forms and documents for loan closing
Good organizational, problem solving, written and verbal communication, and customer service skills with the ability to work within defined timeframes and make deadlines
Proficient in MS Office products with the ability to learn new software applications
Knowledge of general business processes and elementary accounting principles
Knowledge of federal and state laws and regulations relating to real estate lending
Knowledge and understanding of TRID regulations and mortgage loan closing procedures
Experience in reviewing itemization of all fees associated with loan closings

Responsibilities

Validate loan fees and loan data required to issue an accurate Closing Disclosure to customers
Prepare loans for closing by ensuring all pertinent loan data is entered correctly in Encompass
Prepare and review closing document packages to ensure all required documents are generated and transmitted to settlement agents
Ensure loans have correct loan security documents, shipping documents, pro-rated taxes and/or assessments as needed per specific loan programs
Review, verify, organize and audit closing documents to ensure accuracy, completeness and compliance with company and regulatory guidelines (no blanks, required signatures and dates)
Work and communicate professionally with external vendors and internal departments regarding required documentation or corrections for completion before funding
Proactively pursue documents from within the company, third parties and borrowers
Review final funding conditions to determine if requirements are met, sign off or recondition if not satisfactory, and obtain outstanding conditions for timely funding and closing
Perform various administrative duties as assigned (may provide notary public service)
Audit files for compliance with TRID-RESPA (TRID) requirements
Comply with policies, procedures, security requirements, and government regulations
Stay current with Federal Regulation Compliance initiatives and recommend action to management when appropriate

Skills

Encompass

Closing Disclosure

Loan Data Validation

Closing Documents

Loan Fees

Security Documents

Pro-rated Taxes

Banner Bank

Provides banking services and financial products

About Banner Bank

Banner Bank provides a variety of financial services to individuals and businesses in the Western United States, including checking and savings accounts, loans, mortgages, and investment services. The bank operates over 200 locations across Washington, Oregon, California, and Idaho, managing assets of more than $12.6 billion. Its products work by offering tailored financial solutions and expert guidance to meet the specific needs of each client, ensuring personalized service. Unlike many competitors, Banner Bank emphasizes quality, teamwork, and community involvement, which has earned it accolades such as being named the Best Bank in the Pacific Region by Money Magazine and receiving a five-star rating from Bauer Financial for financial strength. The goal of Banner Bank is to provide exceptional financial services while fostering strong community ties and ensuring customer satisfaction.

Walla Walla, WashingtonHeadquarters

1890Year Founded

IPOCompany Stage

Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Unlimited Paid Time Off

Paid Vacation

Paid Sick Leave

Paid Holidays

401(k) Retirement Plan

401(k) Company Match

Tuition Reimbursement

Risks

Increased competition from digital-only banks may erode market share.

Rising interest rates could decrease loan demand, affecting revenue.

Evolving cybersecurity threats pose risks to customer data security.

Differentiation

Banner Bank emphasizes community involvement and personalized customer service.

The bank has been recognized as one of America's Most Trustworthy Companies.

Banner Bank offers tailored financial solutions to meet diverse client needs.

Upsides

Banner Bank's focus on ESG practices attracts environmentally conscious customers.

The bank's strong community ties enhance customer loyalty and brand reputation.

Recognition as a trustworthy company boosts customer confidence and retention.

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