Mortgage Closer
- Sutherland
- 1 - 4 years
- Mumbai
- 6 days ago
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Job Description
We are seeking a detail-oriented and experienced US Mortgage Closer with hands-on, end-to-end closing experience in the US residential mortgage process.
Key Roles & Responsibilities
- Manage the complete mortgage closing lifecycle from Clear-to-Close (CTC) to post-closing/funding.
- Review loan files to ensure all underwriting conditions have been satisfied prior to closing.
- Prepare, review, and validate Closing Disclosure (CD) and closing packages in compliance with TRID guidelines.
- Coordinate with title companies, escrow officers, lenders, borrowers, and internal stakeholders to schedule and finalize closings.
- Ensure accuracy of loan terms, fees, and compliance with federal and state regulations.
- Conduct pre-closing audits to confirm all documentation is complete and accurate.
- Handle funding requests and ensure timely disbursement of funds.
- Resolve discrepancies related to closing documents, fees, or compliance issues.
- Maintain proper documentation and update systems with closing status and notes.
- Work closely with underwriting, processing, and post-closing teams for seamless loan movement.
- Ensure adherence to investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, etc.).
- Support audits and quality control reviews by maintaining complete and compliant loan files.
- Meet turnaround time (TAT) and productivity benchmarks.
Preferred Candidate Profile
- Minimum 1+ years of experience in US mortgage closing, with proven end-to-end closing exposure.
- Strong understanding of:
- TRID regulations
- Closing Disclosure (CD) preparation and timelines
- Loan estimates and fee tolerance rules
- Conventional, FHA, VA, and USDA loan programs
- Hands-on experience with LOS systems such as Encompass, Calyx, or similar platforms.
- Excellent knowledge of title, escrow, and funding processes.
- Strong attention to detail and ability to identify discrepancies in financial and legal documents.
- Ability to work in a fast-paced, deadline-driven environment.
- Effective communication skills for coordinating with US-based clients and stakeholders.
- Strong analytical and problem-solving abilities.
- Flexibility to work in US shifts.
- Graduate in Finance, Commerce, or related field (preferred)
Job Classification
Industry: BPM / BPOFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Lending - OtherEmployement Type: Full timeContact Details:
Company: SutherlandLocation(s): Mumbai
Keyskills: Us Mortgage Underwriting Residential Mortgage closing disclosure Loss Mitigation Escrow Tax Filling US Mortgage Closing
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