OCCU is here to enrich lives. We do this by hiring tenacious, humble and big-hearted individuals who are driven to work hard, contribute to an outstanding member experience, support their community through volunteering and advocating for community needs, and are dedicated to their own individual growth and development. We offer a competitive wage, benefit and retirement package along with opportunities to develop your career in our growing credit union. Individuals who thrive on problem-solving, making a difference and working for a company that provides more than just a job and are motivated by what OCCU has to offer, are invited to apply today!

OCCU is looking for an experienced Mortgage Loan Closer/Funder to join our high performing team. The Mortgage Loan Closer/Funder's primary responsibility is to assemble, prepare and review critical loan documents for mortgage loans. Work with Title/Escrow companies to coordinate the closing process and prepare final numbers ensuring TRID guidelines are met. They prepare and release the mortgage wire to the escrow company.

Location: Eugene, OR

Beginning Base Salary Range: $18.31 - $22.89 per hour

Job Responsibilities:

The essential functions of this position require prioritizing and completing all assigned tasks in a timely and efficient manner, adjusting for changing priorities and availability of resources and demonstrating initiative in identifying additional job-related tasks to be completed when time permits. These duties are a representative example of position expectations. Actual duties assigned may vary and change depending on the business needs of the department and OCCU.

  • Work closely with third-party vendors such as title and escrow companies and outside lenders.

  • Confirm scheduled closing/funding dates with title and escrow companies.

  • Ensure the accuracy and issuance of the initial Closing Disclosure by confirming verification of down payment, escrow payments, seller concessions, payoff(s), invoices and cash to close requirements.

  • Prepare loan closing documents for closing/funding, working closely with title and escrow officers' companies.

  • Issue and validate wire transfers.

  • Ensure the accuracy and timeliness of Closing Disclosures and loan documents.

  • Effectively communicate status and expectations to internal staff, loan originators and closing agents.

  • Ensure data integrity by reviewing loan data in LOS system, DU/LP, Loan Transmittal and Mortgage Application.

  • Ensure compliance of lock information and final fee sheets.

  • Review loan for compliance with RESPA, RESPA tolerances, TILA and TRID Guidelines.

  • Complete the appropriated information tracking required on each loan file.

  • Maintain detailed notes in LOS conversation log through all loan transactions.

  • Anticipate service issues and determine root cause and potential solutions.

  • Provide feedback to management on suggested policy changes and/or enhancements.

  • Provide status updates to management and stakeholders regarding issues and progress.

  • Ensure that solutions maintain compliance with Credit Union and regulatory standards.

  • Adhere to all documented standards, guidelines and procedures.

  • Collaborate with peers in other business units.

  • Deliver quality work within specified timelines.

  • Demonstrate strong organization skills, attention to detail and ability to work both independently and in group settings.

  • Organize workload to ensure priority responsibilities are completed with quality and as scheduled.

  • Maintain the highest level of confidentiality regarding all sensitive, confidential and proprietary Credit Union information.

  • Communicate ideas and processes in verbal and written form to executive staff, business units and staff in a clear and concise manner that is the parlance of each group.

  • Follow all Regulations and Laws, including BSA.

  • Perform other duties as assigned.

OCCU is an Equal Opportunity Employer


Qualified candidates for this position will have relevant education and experience necessary to perform the essential functions and meet the minimum performance expectations for this position with or without an accommodation.

Preferred qualifications for the position include:

  • Two years to five years of similar or related experience.

  • Requires a thorough knowledge of mortgage lending products and processes, knowledge of mortgage compliance, fair lending laws and related regulations.

  • Must be able to understand Real Estate Documents and terminology.

  • Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.

  • Knowledge of TRID, AIR, Regulatory Compliance and legal requirements.

  • Experience using Encompass software program.

  • Education:

    A two-year college degree or equivalent mortgage lending experience.

    An equivalent combination of experience and education that demonstrates the required knowledge, skills and abilities required for the position will be considered in lieu of the outlined requirements.

    Physical Demands and Work Requirements:

    The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Physical Demands: While performing the duties of this job, the employee is frequently required to:

  • Work for extended periods of time in a stationary position (possibly up to 60 minutes or more without an opportunity to substantially change position) while consistently grasping, moving and manipulating documents, office supplies, computer equipment and other business tools and materials.

  • Use and operate a personal computer, office equipment and other technology devices frequently and consistently throughout each day with a high degree of skill, accuracy and independent judgment.

  • Move to, from and within our building and across company-related property site locations as needed, possibly for extended periods of time.

  • Correspond, communicate and exchange information with other employees, members and other third parties with whom we work in-person, via telephone, virtually or by other electronic means using available technology during meetings, presentations and other situations in which business information may be shared, discussed or exchanged.

  • Maintain professional and respectful communication style and steady work focus to ensure reactions and responses to varied situations, stress, ambiguity, frustration, disappointment and disagreements. Set an example to others of appropriate workplace communications while contributing to a strong, harmonious team dynamic.

  • Lift, transport and/or move up to approximately 25 lbs. occasionally in the performance of regular duties.

  • Remain alert and able to observe surrounding areas and conditions at all times to identify, recognize and respond to potential obstacles, safety concerns, hazards, threats, property conditions requiring attention, unauthorized and/or dangerous persons and emergencies.

  • Work Environment: Office-related work is primarily conducted in a temperature-controlled office environment. Our office spaces include traditional office lighting (including fluorescent lighting), as well as shared office spaces and facilities that result in consistent and frequent noise (moderate and often louder than ambient noise), conversations among employees and/or members, interruptions and other similar distractions.

    Work Hours: This job can typically be done within a Monday through Friday schedule; however, based on events going on there will be times when evening and weekend work is required with little or no notice.

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    Associates Degree

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    Mortgage Loan Closer/funder Located At Or, Eugene - Job Post By: Oregon Community Credit Union

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