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Mortgage Loan Closer

As America’s first billion-dollar black-owned bank, Liberty Bank and Trust is a part of history, and we don’t take that success or the privilege to serve our customers lightly. Liberty and our legacy institutions, with branches in 11 states, have stood steadfastly with underserved and often-forgotten communities for over 100 years.

We are growing and building our team with people who want to expand their horizons and surround themselves with inclusive, mission-driven peers looking to impact communities and families positively. To learn more about us, please visit our website at www.libertybank.net 

Our mission is to carry on the vital work of generations of black-owned bank operators by preserving and providing access to affordable financial products and services to traditionally underserved markets. Liberty has been a lifeline for many who have pursued dreams of homeownership, growing businesses, providing for college, or even starting lifelong careers.

We strive to be as resilient as the people we serve. Whether it’s a community, a burgeoning business, or untapped talent, we believe in the possibility of financial freedom.

As the Mortgage Loan Closer, you will complete all the closing paperwork on behalf of the lender and send it to the title insurance company or the real estate attorney to complete the closing. As the person with the final review of the deal, this position is responsible for ensuring mortgage regulatory compliance.  

To thrive as a Mortgage Loan Closer, you should have:

• Associate's degree or equivalent from a two-year college, technical school, or 1-2 years of related experience and/or training. Familiarity with loan closing and documentation procedures is preferred.
• Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook), with experience in banking software such as Encompass and IT core systems.
• Demonstrated ability to express ideas clearly in writing, edit for accuracy in spelling and grammar, vary writing styles to meet specific needs, and effectively present numerical data.
• Skilled in managing customer interactions, resolving concerns, meeting commitments, and maintaining high satisfaction through effective communication and persistence.
• Ability to apply common sense to address challenges, interpret instructions in various formats, and adapt quickly to new technologies and procedures.

Your responsibilities as the Mortgage Loan Closer include:

• Document Preparation and Compliance: Create and maintain all closing documents to ensure they meet government compliance standards, including disclosures, fees, and legal paperwork.
• Loan Funding and Finalization: Fund completed loans, submitted funding wires through the wire exchange portal, and finalized files for sale to third-party investors.
• Borrower Interaction: Prepare and remit the Closing Disclosure, answer borrower questions, obtain necessary signatures, and schedule closing meetings with closing agents.
• File Management and Submission: Maintain accurate and current mortgage files, email executed packages to the post-closing team, and store completed files in credit administration.
• Investor Coordination: Serve as a liaison between lenders, overnight original notes to investors, and ensure timely submission for booking and secondary market sales.

Benefits:

Liberty’s Bank and Trust’s Best-in-Class Benefits and Perks: 

As you might expect, we value every member of our team. That's why we offer competitive pay and an extensive benefits package, including:

• Comprehensive Medical, Dental, Vision, and Life Insurance
• Solid Work/Life Balance, including PTO and paid holidays
• Financial wellness, including an FSA 401K and match, Educational Reimbursement, and Life Insurance
• Family assistance, including Adoption Assistance and EAP/Health and Welfare Assistance
• Growth opportunities, including Training and Development and Leadership Development
• Substantial perks, including Online Marketplace* discounts on a variety of goods and services, ERG/ Ambassador Group, and Free and reduced-rate bank services 

We do our best to ensure Liberty Bank and Trust is an incredible place to work and build a career. We want you to learn, grow, and share in the success you help create. 

We want to hear if you are ready to take the next step in your career and make a significant impact! 

We are an equal opportunity employer, and all qualified applicants will be considered for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.