Loan Closer

POSITION DESCRIPTION The Mortgage and Consumer Loan Closer is responsible for preparing, reviewing, and finalizing closing documents for residential mortgage loans, including consumer loan products. This role ensures all loan packages are accurate, compliant with investor and regulatory requirements, and ready for funding.

PRIMARY RESPONSIBILITIES Closing & Document Preparation Prepare and review closing disclosures (CDs) and closing packages for residential and consumer products. Ensure accuracy of loan terms, fees, escrows, and compliance with program guidelines Coordinate closing timelines with settlement agents, loan officers, and borrowers Balance and finalize loan figures prior to closing Compliance & Regulatory Oversight Ensure compliance with TRID, RESPA, TILA, and agency-specific requirements Review conditions to confirm loans are clear to close Ensure proper documentation for insuring/guaranteeing government loans Funding & Post-Closing Support Authorize or coordinate loan funding once all conditions are satisfied Review signed closing packages for completeness and accuracy Clear funding conditions and deliver files to post-closing/secondary market This position requires compliance with all mortgage regulatory requirements and Ascend Bank’s compliance policies related to these requirements including acceptable background check investigation results.

Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. Digital Literacy The ability to use data, information, and communication technologies to find, evaluate, create, and communicate information, requiring both cognitive and technical skills.

Information, data, and content Teaching, learning and self-development Communication, collaboration, and participation Digital identity, safety, and security Technical proficiency with all bank products Awareness and interest in new technology Creation, innovation, and research KEY COMPETENCIES Regulatory Compliance Closing Accuracy & Efficiency Pipeline & Deadline Management Risk Identification & Resolution PERFORMANCE EXPECTATIONS Deliver accurate, compliant closing packages with minimal revisions Meet or exceed closing and funding timelines Maintain low post-closing defect rates Provide guidance and support to team members EDUCATION REQUIRED A two-year college degree or completion of a specialized course of study at a business or trade school.

EXPEREINCE REQUIRED 3+ years of mortgage closing experience preferred Strong knowledge of mortgage lending guidelines (conventional, FHA, VA, USDA) Familiarity with loan origination systems Understanding of compliance regulations and documentation standards KNOWLEDGE & SKILLS In-depth knowledge of TRID, RESPA, TILA, and mortgage closing regulations Experience with LOS systems Exceptional attention to detail and accuracy Strong problem-solving and time management skills Excellent communication and coordination abilities *Compensation is based on our market pay structures.

However, individual salaries are determined by a variety of factors including, but not limited to business considerations, local market conditions, and internal equity, as well as candidate qualifications, such as skills, education, and experience. Position Wage Range $21.60-30.86 Benefits include medical, dental and vision insurance, 401(k) with employer match, paid time off, paid holidays and other fringe benefits.

Note that specific benefit entitlements are dictated by the terms of the plan documents and may be changed at the sole discretion of the Company. Ascend Bank is an equal opportunity employer and offers equal opportunity to all applicants for all positions without regard to race, color, religion, national origin, age, disability, and veteran status.

Applicants requiring reasonable accommodation in the application process should notify Human Resources. Ascend Bank participates in E-Verify. EOE/AA/M/F/D/V