Mortgage Loan Closer

When joining Elevations, you can expect to work for a company with:

• A leadership team that strives to make this the best place you've ever worked!
• A focus on supporting our employees' mental, physical, and financial well-being
• A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors
• A highly engaged workforce devoted to innovation, continuous improvement, and collaboration
• A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award
• A passion for consistently providing amazing experiences and creating raving fans

If you join our team, here are some of the perks you can expect:

• A competitive total rewards package with 4 weeks paid time off for full-time employees, work anniversary paid time off, paid volunteer time off, and 12 paid holidays
• Comprehensive medical, dental, and vision plans with employer contributions to supercharge your Health Savings Account
• Up to a 4% match on 401(k) contributions
• Up to twelve weeks of fully paid parental leave
• An extensive Employee Assistance Program that provides personalized care options for your whole household
• Ample opportunity to learn, develop and grow with access to LinkedIn Learning, career and leadership development programs, job shadowing, a mentor program, and tuition reimbursement up to $5,250/year

Location:
Remote Role
This role can be performed on-site at the location above, or remotely for any individual who resides within Colorado.
Summary/Objective:
An Elevations Credit Union Mortgage Loan Closer prepares and reviews closing documents, verifying information is correct and meets regulatory, company, and investor guidelines. They work proactively to ensure a smooth closing experience, coordinate closing and ensuring proper disbursements. A Mortgage Closer continually demonstrates a superior approach to service as they engage members and internal stakeholders with the highest level of service. In so doing they will create raving fans and amazing experiences-every member, every time.
Essential Functions include:

• Prepare and review closing documents to ensure accuracy and compliance with federal, state, and local regulations.
• Verify all information is complete and correct, including loan terms, borrower details, and property information, ensuring all closing figures and documents meet regulatory requirements, company policies, and investor guidelines.
• Coordinate closing with all parties involved, including members, title companies, and branch staff.
• Calculate disbursement amounts, sending to title company, and confirming with them to ensure proper disbursement.
• Prepare home equity loans in the loan operating system for proper booking into our core system to ensure correct disbursement and servicing.
• Provide exceptional customer service to members, title companies, and internal stakeholders, addressing any questions or concerns they may have about the closing process.

Reports to:
Vice President Mortgage Operations
Manages:
This role does not have supervisory responsibility.
Required Skills, Education and Experience:

• High school diploma or equivalent
• Minimum two years mortgage experience in conventional, FHA and VA
• Ability to interact with others in a positive manner, either in person or by phone
• Ability to accurately and efficiently enter data and update member records via computer terminal

Preferred Skills, Education and Experience:

• Some college preferred

Work Environment:
Elevations uses multi-factor authentication to keep our data safe. As such, a personal smartphone is a requirement for employment with us. This job operates in an office setting and routinely uses standard office equipment.
Physical Requirements:
Sitting frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10 lbs. of force occasionally to lift, carry, push, pull, or move objects
Position Type/Expected Hours of Work:
Full time / 40 hours per week
Classification:
Non-Exempt
Compensation information:
The person hired into this position will likely earn between $22.50/hr and $28.10/hr. + commission
Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.
Anticipated Application Window:
This role is anticipated to close within 25 days from the date of posting. However, if the position has not been filled, Elevations may keep the application period open longer.
Other Duties:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado's Front Range. Founded in 1952, we've grown from 12 members and less than $100 in assets to an institution with 15 branches and more than 170,000 members that manages over $3 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we've made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.
EEO Statement: The Credit Union is committed to fostering and maintaining a positive and inclusive work environment.
The Credit Union provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, age forty and over, color, disability, gender identity, genetic information, military or veteran status, national origin, religion, sex, sexual orientation, or any other applicable status protected by state or law.
Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.
ELEVATIONS CREDIT UNION'S COMMITMENT TO PRIVACY
Your privacy is important to us. When you use this Careers site to apply for a job at Elevations Credit Union ("we" and "us"), we collect your personal information. Examples of personal information collected on the Careers site include your name, contact details, and information you provide for purposes of job applications. We do not sell your personal information to a third party. We may share your information with a third party who is performing a service for us related to job applicants. If you have any questions about this privacy statement, please contact us.
Applicants have rights under Federal Employment Laws
Family and Medical Leave Act (FMLA)
Know Your Rights Poster
Employee Polygraph Protection Act (EPPA)