Closer (Residential Mortgage)

Job description

Axos Bank Target Range: $21.00/hr - $23.00/hr Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education. Eligible for an Annual Discretionary Cash Bonus Target: 10% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets. About This Job The Closer is responsible for a cross-functional role with opportunities to work in all aspects of the closing process on a daily basis as the workload dictates to include but not limited to: generating initial and final closing disclosures, drawing docs, reviewing docs, funding loans, and other various functions. Responsible for performing a variety of loan documentation duties on moderate to complex loans, using up-to-date comprehensive knowledge and experience of current investor guidelines and government regulations is a must: TRID, RESPA, ECOA, FCRA, HMDA, MDIA, TILA, AIR (previously HVCC) and all other compliance guidelines. Responsibilities: Generate initial and final closing disclosures Draw closing documents Audit loan docs for accuracy Clear conditions with Processing and Underwriting Departments Regulatory validation to include Flood, HMDA, TRID, RESPA, etc. Other duties as assigned to include cross training on funding loans Qualifications: In-depth knowledge of RESPA and TRID guidelines Experience in a closing department of a lender Must have in-depth knowledge of RESPA and TRID guidelines Capable of drawing closing documents through a third-party software (i.e. DocMagic) Excellent organizational skills Attention to detail is a must, along with a keen eye for identifying problems on a loan Ability to work in a team environment Strong math skills and computer literacy Ability to work under pressure, multi-task and meet deadlines in a fast paced environment Superb verbal and written communication skills Willingness to perform multiple functions throughout the day as the need arises Knowledge of investor guidelines and suspense clearance for loan purchase Axos Employee Benefits May Include: Medical, Dental, Vision, and Life Insurance Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year) HSA or FSA account and other voluntary benefits 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading About Axos Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We’re a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers. Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX). Learn more about working at Axos Pre-Employment Background Check and Drug Test: All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization. Equal Employment Opportunity: Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws. Job Functions and Work Environment: While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc. The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position. E-Verify and Right to Work Notices Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. IER Right to Work Poster (English/Spanish) E-Verify Participation Poster (English/Spanish)