Closer

Why Work for Quontic?

Quontic Bank is a CDFI federally chartered digital community bank. We have a customer-centric culture built around helping our customers and giving back to local communities. We're making homeownership simpler, faster, and most importantly, more accessible for all communities across the United States.

Who We are

Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic's mission to break the system for financial empowerment stands in the face of big banks and proves there is a better and more equitable way to put the customer first. We focus on truly understanding and serving the underdogs, entrepreneurs, gig-economy workers, immigrants, and more with a curated banking experience as opposed to a one-size-fits-all banking approach.

What We Live By

Whatever your role, we are bound by a spirit of collective commitment and excellence in all aspects of our work. As an employee of Quontic, the importance of your contributions cannot be overstated. You are an important part of our team!

Your Primary Responsibilities Include:

The primary function of the Mortgage Closer is to ensure the accurate preparation and execution of loan documents for a smooth closing of mortgage loans.

Job Responsibilities:

• Closing Coordination: Collaborate with loan officers, underwriters, title companies, and other relevant parties to ensure a timely and accurate closing process. Schedule closings and coordinate with all involved parties to ensure everyone is prepared.
• Loan Document Preparation: Prepare all necessary loan documents, including the promissory note, deed of trust, and other required paperwork. Review loan packages to verify the accuracy and completeness of documentation.
• Compliance and Quality Control: Ensure all loan documents meet internal policies, regulatory guidelines, and industry standards. Conduct thorough reviews of closing packages to address any discrepancies or outstanding items.
• Funding and Disbursement: Work closely with the funder to facilitate a seamless funding process. Verify that all closing conditions are met before authorizing the disbursement of funds.
• Customer Service: Provide excellent customer service to borrowers and internal teams. Address inquiries, provide clarifications, and assist in resolving any issues related to the closing process.
• Record Keeping: Maintain accurate and organized records of all closing activities, ensuring proper documentation of loan transactions.
• Process Improvement: Identify opportunities to streamline and enhance the closing process. Collaborate with team members and management to implement efficient workflows and best practices.
• Perform special projects, and additional duties and responsibilities as required. 

Education and Experience Requirements:

• Bachelor's degree (or equivalent); OR associate degree and two (2) years of experience in functional area; OR high school diploma (or equivalent) plus four (4) years of experience in functional area. 
• Additional one (1) years of progressive experience in functional area.

Additional Job Requirements:

• Demonstrated knowledge of mortgage loan products and documentation requirements.
• Must have working knowledge pertaining to compliance regulations governing mortgage lending and loan processing.
• Demonstrated knowledge of loan origination systems (LOS), document management software, and MS Office Suite.
• Responsive and customer-focused with a demonstrated use of professional judgment.
• Excellent attention to detail and analytical skills to identify errors, discrepancies, and potential risks.
• Strong communication and interpersonal skills to collaborate with internal and external stakeholders.
• An ability to thrive in an environment where priorities change daily, and where employees wear many hats, detailed-oriented, and in a fast-paced environment.
• Ability to make significant contribution to processes and systems.
• The ability to think "outside the box" and prioritize tasks and decisions in a timely manner.

The above is merely a description. Responsibilities and duties are not limited to the above. Quontic reserves the right to change job descriptions at any time.

Please note that we are authorized to hire from the following states: AL, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MA, ME, MD, MI, MN, MS, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV. Successful applicants must be located in, or relocating to, one of these authorized states.

This role's annual base salary range is $63,000 - $80,000.

In addition to a fulfilling career, we offer competitive compensation and a comprehensive benefits package that can fuel your financial milestones & keep you well. Full time employees are eligible for:

• Health, Dental, Vision, & Life Insurance
• Financial Wellness Planning & Coaching
• Counseling Support Services & Resources
• Paid Parental Leave
• Pet Insurance
• 401K Match
• Employee Bank Accounts with Quontic
• Generous Paid Time Off