Closer

 

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Overview:

Are you ready to take your career to the next level? LoanCare, one of the top providers in the mortgage services industry, seeks an individual with a solid work history in the mortgage or real estate industry, to join our team as a Closer. The ideal candidate will enjoy working with clients, both internal and external, be detail oriented, and is driven to meet tight deadlines in a fast paced environment. If you are ready for a career and not just your next job, now is the time to join our team and become a part of something big.

Responsibilities:

The Closer plays an integral part within the Mortgage Assistance business unit. This position will be responsible for reviewing loan modification agreements and validating the mathematical accuracy of the loan information within the loan modification agreements. Other critical responsibilities include preparing overnight packaging and ensure documents are mailed, updating loss mitigation workstation steps and notes, and submitting system change documents to the Special Loans department.

• Review loan modification agreements
• Prepare system change forms
• Validate mathematical calculations are accurate on all documents, loan information, demographic information, and client/investor information is accurate on all documents
• Prepare mailing labels for overnight packages
• Upon receipt of executed documents, validate all signatures have been completed, dated, and notarized and are submitted to Management for final signatures and notarization
• Accurately and timely update steps on LMT3 and system notes on LMTN to reflect current status of file
• Ensure Foreclosure close and bill task is opened
• Complete updates to investor systems- FNMA- HSSN, FHLMC- submission to FHLMC settlement
• Validate servicer/holder on all FHA files
• Submit system change forms to Special Loans and modifications to ServiceLink Recording department and all required documents to Claims department
• Open all tasks to Investor Accounting, Special Loans, Escrow, and Claims as required
• Process payment reversals to ensure modification system changes are processed accurately as needed
• Follow up on status of documents sent to recording
• Send partial claims to FHA vendor and track to ensure FHA vendor’s receipt of recorded partial claims documents
• Request pool buyouts from clients as needed
• Mail accurate and executed loan modification documents to clients, borrowers, and investors as needed
• Respond and return voicemails, escalations and all other requests within 24 hours from receipt
• Handle all written and verbal correspondence professionally between the borrowers, client, investor, insurer, subordinate lien holders, real estate agents, consumer credit counseling services, and foreclosure attorneys
• Able to work in a fast-paced environment where priorities change frequently to meet business needs
• All other duties as assigned

Qualifications:

• High School Diploma or equivalent required
• Minimum of 2 years of Collections, Loss Mitigation, or other mortgage banking, mortgage servicing or real estate related experience
• 2 or more years of telephone customer contact experience
• Strong mathematical aptitude- ability to calculate loan modification calculations
• Proficient in MS Office Windows, MS Word, MS Excel, MS Outlook
• Demonstrated ability to provide attention to detail and concern for accuracy and consistency in results
• Ability to work independently as well as part of a team and focus on results
• Ability to multi-task
• Ability to learn rules, regulations, and laws in order to meet state, investor, client, and insurer guidelines

WHO WE ARE

About us …

LoanCare is a leading national provider of full-service subservicing and interim subservicing to the mortgage industry and has offered its expertise and best practices in providing servicing solutions for others since 1991. At the present time, LoanCare subservices over 1.8 million loans in 50 states. LoanCare has a seasoned loan servicing team with senior managers averaging nearly 30 years of experience in the mortgage and financial services industry.

LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law.

WORK CONDITIONS

Working conditions are normal for an office environment. Ability to attend work and be productive during normal business hours and to work early, late, or weekend hours as needed for successful job performance. Overtime required as necessary. Essential functions are the basic job duties that an employee must be able to perform, with or without reasonable accommodation.

ESSENTIAL FUNCTIONS

Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Reading Comprehension — Understanding written sentences and paragraphs in work related documents

English Language — Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

Speaking — Talking to others to convey information effectively.

Active Learning — Understanding the implications of new information for both current and future problem-solving and decision-making.

Active Listening — Giving full attention to what other people is saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

Instructing — Teaching others how to do something.

Judgment and Decision Making — Considering the relative costs and benefits of potential actions to choose the most appropriate one.

Time Management — Managing one's own time and the time of others.

Writing — Communicating effectively in writing as appropriate for the needs of the audience.

Complex Problem Solving — Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

Deductive Reasoning — The ability to apply general rules to specific problems to produce answers that make sense.

Problem Sensitivity — The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

Written Comprehension — The ability to read and understand information and ideas presented in writing.

Inductive Reasoning — The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).

Information Ordering — The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).

Near Vision — The ability to see details at close range (within a few feet of the observer).

Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences.

Oral Expression — The ability to communicate information and ideas in speaking so others will understand.

Speech Recognition — The ability to identify and understand the speech of another person.

Speech Clarity — The ability to speak clearly so others can understand you.

PHYSICAL DEMANDS

Sitting up to 90% of time

Walking and standing up to 10% of time

Occasional lifting, stooping, kneeling, crouching, and reaching.

EQUAL EMPLOYMENT OPPORTUNITY

LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law.

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