Job Summary

The Loan Closing Specialist II is responsible for the scheduling of the closing date and coordination of loan closings with all parties. The incumbent assists the Closing Agent and other parties to prepare the loan for closing and finalizes title commitments, closing figures, and closing documentation. The incumbent identifies and analyzes problems on pending closings and confers with appropriate individuals to design solutions with regular guidance.

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Close Home Equity Lines of Credit, Consumer loans, and mortgages.
• Schedule closing dates with all parties and initiate closing orders with Closing Agents.
• Monitor title corrections post-approval to ensure the title search is properly executed.
• Confirm all required insurance policies are accurate and meet minimum bank requirements and will be in effect at the time of closing.
• Assist Closing Agents and Underwriters to ensure loan closing information and documentation are accurate and complete for all purchase and refinance transactions.
• Confirm interest rate locks are valid through the date of disbursement and request rate extensions as needed.
• Initiate follow-ups on outstanding items with Closing Agents and/or Loan Fulfillment personnel.
• Review executed closing documents to ensure they are executed correctly and gives funding approval to Closing Agents with general oversight.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
• Complete all mandatory annual compliance training.
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Perform other duties and special projects as assigned.

Job Requirements

Education:

• High school diploma or equivalent.

Required:

• 1+ years of experience working as a Loan Closing Specialist I or with a title insurance company, closing agent, or a mortgage company.
• Knowledge of residential loan documents, laws, and regulations applicable to loan programs, closings, and real estate transfers.
• Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.
• Ability to understand and use bank policies and procedures to ensure operational efficiency and regulatory compliance.
• Must be bondable.
• Technically savvy with excellent computer skills, utilizing broad banking applications.
• Proficient in Microsoft Office products.
• Good human relations skills in dealing with loan officers, loan operations personnel, attorneys, title companies, and other business professionals.
• Excellent attention to detail and above average organizational and communications skills.
• Focus/desire to serve customer needs and provide excellent customer service.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.

DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.