The Mortgage Closer is responsible for preparing, reviewing, and finalizing mortgage loan closing packages to ensure accuracy, compliance, and timely funding. This role serves as a critical liaison between borrowers, title companies, and internal teams to deliver an exceptional closing experience while adhering to regulatory and institutional standards.
Responsibilities
- Prepare and disclose the initial Closing Disclosure to customers in accordance with TRID regulations.
- Manage and maintain a pipeline of 50+ loans during peak periods.
- Accurately prepare closing documents following agency, investor and state/federal guidelines
- Coordinate with internal partners and title closers to ensure timely and accurate delivery of final Closing Disclosure and loan documents.
- Verify that all underwriting conditions are satisfied prior to closing.
- Balance funding wires with title closers to ensure accurate disbursement.
- Manage and complete files in the pipeline according to company policy.
- Review and validate closing documents by verifying and entering required information.
- Maintain a positive and collaborative approach to improve department operations and contribute to team success.
Bell Bank Culture, Policy and Accountability Standards:
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Education, Experience, and Other Expectations
- High school diploma or GED required; associate or bachelor’s degree preferred.
- 2-3 years of experience in mortgage closing.
- Experience with Encompass or similar mortgage software required.
Skills and Knowledge
- Familiarity with RESPA, TILA, Fair Lending, and state laws.
- Knowledge of FNMA, FHLMC, FHA and VA guidelines.
- Strong written and verbal communication skills.
- Detail-oriented with a strong emphasis on accuracy and compliance.
- Excellent interpersonal skills and commitment to delivering a positive borrower experience.
- Ability to work in a fast-paced environment while maintaining composure and accuracy.
Top Skills
What We Do
People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us. As members of the Bell Bank family, we provide unequaled personal service, working in the best interest of those we serve. Our award-winning workplace promotes success, recognizes achievement – and offers an environment focused on having fun while helping others.
At Bell, we build careers. We build community. We positively impact lives around us. Employees are actively encouraged to volunteer (receiving 16 hours of paid volunteer time annually), and our unique Pay It Forward initiative has empowered more than $17 million in employee giving to people and causes we care about.
Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown to become one of the nation’s largest independently owned banks. A family- and employee-owned company, Bell has full-service bank locations in North Dakota, Minnesota, and Arizona and mortgage offices in multiple states.
Bell Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender (we lend without regard to race, color, religion, national origin, sex, handicap or familial status). Investment and wealth management services are not FDIC insured, have no bank guarantee, may lose value, not a deposit and not insured by any federal government agency.
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