Loan Closer

Vintti is a staffing agency dedicated to boosting the economic efficiency of US companies. We provide access to a diverse range of skilled Latin American professionals, allowing businesses to build robust teams without the traditional high costs associated with domestic hiring. Our model supports companies in maximizing their resources, driving innovation, and achieving sustainable growth.

A Loan Closer is a critical professional in the loan processing lifecycle, responsible for ensuring the seamless completion and closing of loan transactions. This role involves preparing and reviewing all necessary documentation, coordinating with involved parties, and ensuring compliance with lender and regulatory requirements. Loan Closers meticulously verify that all conditions have been met before finalizing the loan to facilitate a smooth transfer of funds. Their expertise ensures that all aspects of the loan process are aligned to meet deadlines, providing a reliable and efficient experience for borrowers and lenders alike.

- Bachelor's degree in finance, business, or a related field, or equivalent experience.
- Minimum of 3-5 years of experience in loan processing, closing, or a related mortgage/banking role.
- In-depth knowledge of mortgage loan documentation, regulatory requirements, and industry practices.
- Proficiency in loan origination software and related database management systems.
- Exceptional attention to detail and accuracy in reviewing and preparing documents.
- Strong organizational skills and the ability to manage multiple priorities and deadlines.
- Excellent communication and interpersonal skills for coordinating with various parties and resolving issues.
- Ability to interpret and apply complex regulations and guidelines.
- Strong analytical skills for calculating financial amounts and verifying data.
- Ability to work independently and as part of a team.
- Notary public certification or willingness to obtain certification may be required.
- Familiarity with title insurance and escrow processes.
- Problem-solving skills to address last-minute issues and ensure smooth closing processes.
- High level of integrity and confidentiality in handling sensitive financial information.
- Proficiency in Microsoft Office Suite, especially Excel and Word.

- Review and verify loan application documentation for completeness and accuracy.
- Coordinate and schedule loan closings with borrowers, real estate agents, and other involved parties.
- Prepare and ensure the accuracy of all closing documents in accordance with regulatory and company requirements.
- Communicate and resolve discrepancies with underwriters during the document review process.
- Calculate and confirm final loan amounts, interest rates, and fees.
- Ensure all pre-closing conditions have been met before proceeding to loan closure.
- Order and review title insurance, ensuring clear titles and correct lien positioning.
- Liaise with title companies, escrow agents, and attorneys for a seamless closing process.
- Obtain all necessary signatures and notarizations on closing documentation.
- Confirm the receipt of loan funding and facilitate appropriate fund distribution.
- Provide a final breakdown of closing costs and loan terms to borrowers.
- Input and update loan details in the company's database and tracking systems.
- Address and resolve any last-minute issues or changes to ensure smooth closure.
- Ensure compliance with all legal and regulatory loan closing requirements.
- Conduct post-closing reviews to verify all documentation is complete and accurate.

The ideal candidate for the Loan Closer role is a highly detail-oriented professional with a Bachelor's degree in finance, business, or a related field, and a minimum of 3-5 years of experience in loan processing, closing, or a related mortgage/banking role. This individual possesses in-depth knowledge of mortgage loan documentation, regulatory requirements, and industry practices, and demonstrates exceptional accuracy in reviewing and preparing documents. They have strong organizational skills to manage multiple deadlines and priorities, and exhibit high accuracy in financial calculations and data verification. Their excellent problem-solving skills enable them to efficiently address last-minute issues, ensuring a smooth closing process. Effective communication and interpersonal skills are crucial, as they will frequently coordinate with borrowers, real estate agents, underwriters, and other stakeholders. The ideal candidate works well both independently and as part of a team, displaying high integrity and confidentiality in handling sensitive financial information. They possess strong analytical skills to interpret complex regulations and guidelines, and are proficient in loan origination software and database management systems. Familiarity with title insurance and escrow processes, as well as proficiency in Microsoft Office Suite, particularly Excel and Word, are essential. They are adaptable, capable of working under pressure to meet tight deadlines, and ideally hold or are willing to obtain notary public certification. Their strong customer service orientation enhances their interactions with borrowers and agents, setting them apart in ensuring a seamless closing experience.

- Review and verify loan application documentation for accuracy and completeness.
- Coordinate closing schedules with borrowers, real estate agents, and other parties involved.
- Prepare closing documents, ensuring compliance with regulatory requirements and company policies.
- Communicate with underwriters to resolve any discrepancies or issues found during the document review process.
- Calculate and confirm the final loan amounts, interest rates, and fees.
- Ensure all conditions for loan approval have been met prior to closing.
- Order and review title insurance, ensuring clear titles and proper lien positions.
- Coordinate with title companies, escrow agents, and attorneys to facilitate the closing process.
- Obtain necessary signatures and notarizations on closing documents.
- Confirm receipt of funding from lenders and distribute funds accordingly.
- Provide borrowers with a final breakdown of closing costs and loan terms.
- Input and update loan information in the company's database and tracking systems.
- Address any last-minute issues or changes that may arise to ensure a smooth closing process.
- Ensure compliance with all legal and regulatory requirements related to loan closing.
- Conduct post-closing reviews to ensure all documents are complete and accurate.

- Detail-oriented with a meticulous approach to reviewing and preparing documents
- Excellent organizational skills to manage multiple deadlines and priorities
- High degree of accuracy in financial calculations and data verification
- Strong problem-solving skills to address last-minute issues efficiently
- Effective communication and interpersonal skills for coordinating with various stakeholders
- Ability to work independently and as part of a team
- High integrity and confidentiality in handling sensitive financial information
- Strong analytical skills to interpret complex regulations and guidelines
- Proficiency in loan origination software and database management systems
- Familiarity with title insurance and escrow processes
- Capability to work under pressure and meet tight deadlines
- Notary public certification or willingness to obtain
- Adaptable and flexible in managing evolving closing requirements
- Strong customer service orientation for interacting with borrowers and agents
- Proficiency in Microsoft Office Suite, particularly Excel and Word

- Competitive salary range.
- Health, dental, and vision insurance.
- 401(k) retirement plan with company match.
- Paid time off (PTO) and holidays.
- Flexible work hours and remote work options.
- Employee wellness programs.
- Professional development and training opportunities.
- Tuition reimbursement program.
- Career advancement opportunities within the company.
- Life and disability insurance.
- Employee assistance program (EAP).
- Employee discounts on mortgage and banking products.
- Company-sponsored social events and team-building activities.
- Collaborative and inclusive work environment.
- Performance-based bonuses and incentives.