Mortgage Closer & Funder

FocusOne
Houston, TX
FocusOne in Northwest Houston is seeking an experienced Closer Funder to work in the Houston office.

Position Summary
Responsible for the timely and accurate closing and funding of all mortgage loans under federal, state, and investor regulations. Ensures all loan documentation is complete, compliant, and delivered on time, maintaining strict adherence to internal policies and regulatory requirements throughout the closing and funding process.

Essential Functions

Compliance & Documentation Review
  • Reviewing and clearing all Mavent Alerts in Encompass and ensuring all data is in regulatory compliance
  • Reviewing files for post-closing compliance
  • Work with legal on any regulatory or compliance concerns or direction
  • Verifying that signatures are correct and that all documents have been signed correctly
Closing Document Preparation & Coordination
  • Ordering closing documents through Encompass
  • Working with attorneys and title companies to ensure closing documents are received and accurate
  • Balancing CDs to match Title Company and Loan Estimate’s figures and approving CDs for closing
Funding Process
  • Ordering funds from accounting for wiring to the title company
  • Issuing funding numbers to titles to fund the closed loans
  • Ensuring all checks are delivered to accounting timely manner
Post-Closing & Reconciliation
  • Reconciling the Post Closing spreadsheet to ensure that dates are accurate and that funds and files are not outstanding
  • Receiving closed files and funds from the title companies

Collaboration & Communication
  • Working very closely with Operations Manager, Loan Processors, underwriters, Loan Officer and clients

Qualifications:
  • Recent Closing/Funding experience (hands-on experience within the last 2 years)
  • Minimum of 2 years recent and active experience in the mortgage broker/banker industry and/or comparable experience or education.

Knowledge, Skills & Abilities
  • Bilingual Spanish desired.
  • Proficiency with Loan Producer, Encompass, FICS, Outlook, Excel, and Word.
  • Strong understanding of underwriting guidelines, particularly for Texas Home Equity and FHA loans.
  • Advanced knowledge of mortgage calculations and regulatory documentation.
  • Familiarity with reviewing legal and compliance documents within the mortgage industry.
  • Highly detail-oriented with the ability to manage multiple tasks in a fast-paced environment.
  • Strong independent decision-making skills with minimal supervision.
  • Excellent written and verbal communication and customer service skills.
  • Demonstrated initiative, accountability, and drive to meet or exceed performance goals.
  • Able to collaborate effectively and interact with clients and colleagues with professionalism, diplomacy, and tact.
  • Willingness to work overtime during peak processing periods, typically at the month-end.

Posted 2025-07-30

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