Why Fidelity Bank? Fidelity Bank is a community bank built on values. Our mission has been in place for over 100 years, guiding us to do what's best for our customers and to build lifelong relationships. This includes being an independent, sound, and profitable bank that businesses and families come to first - and bank with for life. Right By You is our motto. It is more than our tagline. It represents our commitment to putting the well-being of our customers and employees first. Our entire team is dedicated to standing right by you. We achieve this by investing in our people, technology, and products to build long-term value and offer financial services that align with our customers' objectives.
SUMMARY:
This position is responsible for ensuring the closing documents are prepared correctly, accurately and timely while maintaining a high level of customer service with both internal and external customers and business partners. Closers will audit the loan files and prepare closing documents based on company and investor guidelines, and standard guidelines established by FNMA, FHLMC, FHA, VA, USDA, and NCHFA. This position will also be responsible for ordering and balancing wires for closings.
PRINCIPAL ACCOUNTABILITIES:
Perform pre-closing audit of closing and compliance documentation including but not limited to initial 1003, initial and final LE and CD as well as corresponding Change in Circumstance, Appraisal, Title, Property Insurance, Rate Lock Agreement, Final Loan Approval, Mortgage Insurance Certificate, and Flood Certificate.
Complete data entry in Encompass to generate closing instructions and documents.
Review CD for accuracy and tolerance variations.
Review and clear all "Prior to Closing" and "Prior to Document" underwriting conditions.
Request funding wires directly from wire department and review funding documents as required.
Assist post-closing in obtaining any corrections to closing documents as required.
Perform various additional tasks as assigned by Management that may not be specifically listed in this position description.
BASIC QUALIFICATIONS:
High School Diploma with 4 years of mortgage experience or an equivalent combination of education and experience.
ADDITIONAL QUALIFICATIONS:
- Experienced with purchase and refinance transactions for conventional, FHA, VA, USDA and NCHFA programs.
- Excellent verbal and written communication skills.
- Strong time management skills, including ability to accurately prioritize tasks.
PREFERRED QUALIFICATIONS:
Experience with Encompass preferred.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Affirmative Action/Equal Opportunity Employer
Skills Required
- High school diploma with four years of mortgage experience, or an equivalent combination of education and experience
- Experience with purchase and refinance transactions for conventional, FHA, VA, USDA, and NCHFA programs
- Excellent verbal and written communication skills
- Strong time management skills and ability to prioritize tasks accurately
- Experience with Encompass
Fidelity Bank (fidelitybank.com) Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Fidelity Bank (fidelitybank.com) and has not been reviewed or approved by Fidelity Bank (fidelitybank.com).
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Healthcare Strength — Feedback suggests medical, dental, and vision coverage are comprehensive, complemented by options like FSAs and wellness resources. Offerings such as preventive care programs and mental‑health support indicate strong healthcare support.
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Leave & Time Off Breadth — Feedback suggests paid time off is generous, with around four weeks of PTO for full‑time employees, separate sick time, paid holidays, and paid volunteer hours in some roles. Emphasis on work‑life balance and time to travel, be with family, or volunteer reinforces breadth.
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Retirement Support — Feedback suggests a 401(k) or similar retirement plan is available alongside financial‑preparedness benefits to support long‑term saving. Banking perks and related financial benefits further bolster retirement support.
Fidelity Bank (fidelitybank.com) Insights
What We Do
Member FDIC | Equal Housing Lender | Equal Opportunity Employer We understand that our customers need more than a bank - they need problem-solving solutions and partners. We stand ready to serve. Together we move Bravely Onward.® Learn more at fidelitybank.com
