Position Type: Full-Time
Work Environment: Hybrid (3 days in office expected)
Location: Wackerly – Midland, MI 48640, USA (+ additional location)
Position: Mortgage Closer I
Employment Status: Non-Exempt
Reports to: Real Estate Lending Leader
Position Overview
Are you passionate about mortgage closing and helping members achieve their dream of homeownership? Do you thrive by using strong audit skills and extreme attention to detail? Members First Credit Union is looking for a Mortgage Closer I who will collaborate with teams and ensure a great member experience. This position has hybrid potential.
We strive to create an atmosphere of belonging with no judgment, just opportunity. We are interconnected to each other, and when we embrace out true authentic selves, we are stronger. We will empower you to be the best version of yourself while helping you to flourish in work and life. Come join us to help create thriving communities!
The primary purpose of this position is to assist Members First Credit Union to deliver on its mission: To encourage a better tomorrow. To achieve this mission, the position must deliver on our brand promise: We believe in you. Our promise is to be trustworthy, caring, and enthusiastic to help you succeed. You will do this by living out our core values in every service contact to both internal and external members.
Essential Duties
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Prepare accurate and complete closing packages including promissory notes, security instruments, riders, escrow documentation, and required disclosures
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Review loan files for completeness and confirm underwriting conditions have been cleared prior to closing
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Verify title commitments, insurance coverage, payoff statements, and escrow figures for accuracy
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Schedule and coordinate closing dates with borrowers, title companies, attorneys, and internal partners
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Assist in preparation and delivery of the Closing Disclosure in accordance with TRID requirements
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Ensure compliance with TRID timing requirements
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Review fee accuracy and identify discrepancies prior to document release
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Verify and prepare distribution of loan funds in compliance with lender guidelines and regulations
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Prepare wire transfers in accordance with internal controls and fraud prevention procedures
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Conduct final quality checks to confirm documents are properly executed and notarized
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Address and escalate discrepancies including fee variances or tolerance concerns
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This is a hybrid position with the expectations of 3 days in the office
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Successfully obtain Certified Credit Union Financial Counselor (CCUFC) designation within first year
Duties and Responsibilities
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Provide professional support to borrowers, loan officers, and team members regarding closing documentation and timelines
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Maintain accurate loan status updates in the loan origination system
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Ensure complete closing packages are submitted for post-closing review and retention
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Adhere to internal policies including BSA/AML, OFAC, wire fraud prevention, and confidentiality standards
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Work closely with processors and underwriters to ensure smooth transition from approval to closing
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Assist in clearing post-closing conditions or trailing documentation
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Identify workflow improvements that enhance accuracy and member experience
Qualifications and Expectations
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Foundational understanding of mortgage documentation, title procedures, and closing requirements
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Working knowledge of TRID, RESPA, and regulatory timing requirements
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Strong attention to detail and ability to manage multiple closings
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Effective communication skills with members and partners
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Ability to work in a deadline-driven environment
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Effectively apply financial counseling concepts through FiCEP certification
Physical Requirements
Work Environment
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Maintain a neat and orderly work area
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Routinely clean and disinfect work areas
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Protect confidentiality of staff and members
Education and Experience
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High school diploma or equivalent required
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Coursework in business, finance, or related field preferred
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1–3 years of experience in mortgage operations, processing, closing, servicing, or related role preferred
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Foundational knowledge of residential mortgage loan documentation
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Familiarity with loan origination systems or similar platforms
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Basic understanding of federal mortgage disclosures and timing requirements
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Proficiency in Microsoft Word, Excel, and Outlook
Qualifications
Education
Required: High School or better
Experience
Required:
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Basic understanding of federal mortgage disclosures and regulatory timing requirements
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Familiarity with loan origination systems or similar platforms
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Foundational knowledge of residential mortgage loan documentation
Preferred:
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1–3 years mortgage operations, processing, closing, servicing, or related experience
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
