Fifth Third Bank Mortgage Closer II in Cincinnati, Ohio
Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. We've staked our claim on looking at things differently to making banking a Fifth Third Better. This applies to our relationships with customers and employees alike.
We employ about 18,000 people, and what we offer is:
# A chance for employees to build their future, with supportive career development and financial wellness programs.
# An environment where we win together. We celebrate achievement and work collaboratively. We're also a three-time Gallup Great Workplace honoree.
# An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting.
It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member.
Mortgage Banking at Fifth Third Bank encompasses three sales channels # Retail, Direct and Correspondent. It also includes the operations side, with three major Fulfillment Centers in Cincinnati, Ohio; Grand Rapids, Michigan; and Chicago, Illinois. We offer many different mortgage loan options, and our customers look to us when they are thinking about buying a new home, building their dream home, refinancing their existing home, or exploring options for downsizing. Additionally, the Fifth Third partners with the Community College Foundation to bring the Financial Empowerment eBus to our communities. This bus is retrofitted as a mobile classroom that hits the streets to provide financial education on important topics including homeownership. We also play a key role in supporting homeownership by offering refinancing and modification opportunities.
GENERAL FUNCTION: Performs a wide range of duties related to the closing and funding of conventional, construction, and government residential mortgage loans. Responsible for preparing closing documents, funding the loan, and closing and auditingthemostcomplex loans. Takes on a senior role related to the closing-funding process and assists in training new hires in the function.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuresthatactions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Prepare and audit closing documents in a timely manner.
Ensure the data integrity on processing/closing system is accurate.
Communicate with escrow/title companies, loan originators, and other parties to ensure all conditions and regulatory requirements are met prior to funding. Obtain or request missing conditions.
Review signed closing documents to approve the funding of the loan.
Prepare for the disbursement of funds as per the terms of the transaction.
Perform various post closing tasks such as: Auditing closed files, creating delivery-servicing packages, follow-up to internal and external customers for needed documents and insurance, and ensuring all required documents are present in filepriortoshipping to Central Files.
Actively participate in ongoing efforts to continually improve customer service for internal and external customers.
Responsible for appropriate section of HMDA Worksheet.
Review funding reports to ensure loans are funded within appropriate timeframes.
Review exception reports to ensure all tasks are completed.
Assist in training new hires.
Take an active role as an escalation point within the team based on experience/knowledge.
Maintain knowledge of Fifth Third Mortgage Company's policies and procedures.
Perform any other duties as assigned.
SUPERVISORY RESPONSIBILITIES: None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: High school diploma or equivalent. One to three years previous Closing experience required. Extensive knowledge of real estate documentation requirements and the closing process. Excellentwrittenandverbal communication skills. Strong PC skills (MS Office) required, must have experience with Mortgage origination systems, platforms tools and technology. Demonstrated organizational skills. Demonstrated teamwork and customerserviceskills.Demonstrated leadership skills.
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org)
provides the MU4R questions and registration required for employment in this position.
Fifth Third Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.