Consumer Loan Closer

Position Summary

Responsible for the preparation, review and delivery of all closing packages and instructions to the branches or settlement agent. The position supports the branches, sales, and operations functions of the Bank through accurate, timely and professional communication and delivery of accurate and compliant closing packages.

Essential Functions

• Prepare closing package and instructions.


• Review closing disclosure statement for accuracy and completeness.


• Coordinate and communicate with branches, settlement agent, loan officer, and processor in scheduling all closings.


• Verifies accuracy of information on all closing documents (legal names, legal address, terms, rate, title work and insurance).


• Track closing file to confirm its return from the settlement agent in a timely manner


• Responsible for the follow up on post-closing conditions.


• Examine loan documentation to ensure accuracy and compliance with all state and federal policies.


• Communicate with mortgage sales, operations and Management to maintain a high level of customer service.


• Maintain a high level of efficiency to ensure closing dates are met.


• Maintain current knowledge of all industry and bank program changes, policies, and procedures.


• Communicates with Management on a loan-by-loan basis in recommending exceptions to policy.

Additional Functions

• Assist branches and loan servicing with closing related questions.

Education and Experience

• BA or BS preferred


• 2 – 3 years closing experience


• Demonstrated organizational skills


• Excellent verbal and written communication skills required with a high level or detail.


• MS Word Suite


• Familiarity with Encompass

Knowledge, Skills, and Abilities

• Calculate figures and amounts


• Ability to read, analyze and interpret legal documents, governmental regulations and professional publications.


• Effectively present information and respond to inquiries from Senior Management, attorneys, vendors, government agents, and the public; ability to write business correspondence.


• Ability to follow directions


• Work independently with little supervision

All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability.

This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.

Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job, unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.