Finance & Accounting
in Tampa
, FL
Reference: 19-03911

Position Summary:

The Closer is responsible for the coordinating the closing of approved mortgage loans. They are to ensure compliance to secondary market requirements and/or credit union guidelines. The area of responsibility encompasses all first mortgages-Conforming, Non-conforming, FHA and VA.


Under the direction of the Supervisor of Closing, the Closer has the responsibility to fulfill the following functions and others as may be assigned:

  • Perform all responsibilities in accordance with current organizational goals and standards
  • Knowledgeable in all facets of closing in accordance with secondary market guidelines and FNMA Desktop Underwriting
  • Responsible for verifying legal description of property against appraisal, survey and title commitment
  • Perform needed employment verifications per agency guidelines
  • Upload valid documentation used to obtain HUD approval to imaging system
  • Prepare closing instructions for title companies ensuring that all fees and charges are correct
  • Approve final HUD prior to closing
  • Ensure that closing conditions, if any are received, are valid prior to issuing funding numbers
  • Ensure all data is accurately displayed in the system and that the corresponding approval matches file information
  • Ensure that homeowner’s insurance and flood insurance (if applicable) are valid along with proper mortgagee clauses
  • Obtain updated mortgage, collection and/or lien payoffs as needed
  • Offering suggestions for processing improvements to Supervisor of Production
  • Interact with other areas of the credit union as needed
  • For the purpose of maintaining credit union goals, it is the responsibility of each employee to strive for the continuous quality improvement of processes and quality of service to internal and external customers.
  • All work responsibilities are subject to having performance goals and/or targets established as part of the annual performance planning process or as the result of organizational goal and production planning.
  • Must demonstrate a functional knowledge of the Bank Secrecy Act in addition to other federal laws, including but not limited to the U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act

Other Job Functions:

  • Full-time hours required, with additional hours as necessary to accomplish objectives, goals, and projects
  • Perform additional duties as assigned
  • Abide by all policies, procedures, and protocols set forth in the departmental, operational and administrative policy manuals

Knowledge, Skills and Abilities Required: 

  • Excellent time management skills
  • Has a high sense of urgency
  • Excellent communication skills
  • Ability to determine best course of action within a wide array of choices
  • Exhibit professional image
  • Exhibit leadership skills

Physical Requirements: 

  • Able to sit, communicate via telephone, type and read a computer screen for extended periods of time
  • May also require standing, stooping and reaching
  • Require light physical activity performing non strenuous daily activities of an administrative nature as well as periods of prolonged sitting
  • Requires extensive typing, filing and writing

Education/Experience Required

  • High School diploma or equivalent
  • Some college preferred
  • Minimum 1-3 years of experience or combination of education and experience
  • Knowledge of secondary market is preferred but not required


In performing the above responsibilities, the Closer maintains the following relationships:

  • Internal and external customer relationships
  • Manager of Closing
  • Vice President of Member Home Loan Programs
  • Other relationships
  • The associate is encouraged to attend (upon approval) those work-related educational or instructional classes as may be offered.