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Hiring Range: $22.74- $30.46

_The posted salary range reflects Eastern’s expected hiring range. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. Eastern offers a robust benefits and retirement package. Please see the description of benefits included with this job posting for additional information._

The Closer II should have a good working knowledge of all areas within the Mortgage process with strong emphasis on Closing. The Closer II will keep an open line of communication with other department managers to ensure policies and procedures are accurately followed.

MAJOR RESPONSIBILITIES:

+ Expert understanding of FHLMC, FNMA, FHA, USDA and VA, NHHFA Housing, MASS Housing, RI Housing, Construction Loans / State Housing Programs, DPA expert, CRA expert.

+ Monitor volume and reassign files as needed.

+ Respond to Branch inquiries and accommodate rushes as needed.

+ Work with Post-Closing, Accounting and QC errors to recognize trends and provide feedback and additional training as needed.

+ Assist other departments questions as needed and bring them to VP for discussion.

+ Private Investor Shipping Including Freddie Mac/Fannie Mae; Perform all duties relating to post closing review and Shipping but not limited to:

+ Complete loan order using proper investor checklists and summary sheets.

+ Ensure all loans are scanned correctly- if needed

+ Track all loan shipping.

+ Submit Loans to Government for insurance.

+ Ensure compliance with frequently changing investor and agency guidelines.

+ Follow up on Outstanding Closing Disclosures

+ Create and revise workflows within department as needed.

+ Stay current with Investor guidelines and procedures and effectively communicate out to closing team as changes occur.

+ Maintain up-to-date procedures for all functions performed within department.

+ Prepare Closing Packages as needed per volume.

+ Ensure compliance with all TRID and other Federal and State related timeframes and requirements.

+ Maintain thorough understanding of required Closing Documents and Closing Packages for completeness and accuracy.

+ Complete research and make sound decisions for exceptions to HOME’s Closing Instructions

+ Must be flexible with schedule during peak volume/season.

REQUIREMENTS:

Education and Experience

+ High School diploma or equivalent combination of education, training and experience

+ 5 - 7 years Mortgage experience

+ 2 - 3 years Closing, Post-Closing experience

Skills/Knowledge:

+ Communicates effectively with others and exhibits excellent Internal / External customer relations skills .

+ Ability to remain calm under pressure and meet tight deadlines.

+ Ensure all policies are administered within ethical and legal standards to minimize litigation exposure.

+ Maintain confidentiality of employee and company information

+ Understands all aspects of job responsibilities.

+ Expert understanding with FHLMC, FNMA, FHA, USDA and VA, NHHFA Housing, MASS Housing, RI Housing, Construction Loans / State Housing Programs, DPA expert, CRA expert, a very strong experience of all government loans

Working Environment:

Physical Demands The physical demands 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.

While performing the duties of this job, the employee must be able to remain in a stationary position 50% of the time. The employee frequently is required to operate a computer and other office productivity machinery, such as a calculator, copy machine, and printer. The employee is occasionally required to move about inside the office to access file cabinets, office machinery, etc. They also occasionally travel to locations, to attend meetings, trainings, events, and other business activities. The employee may occasionally positions self to maintain or access equipment. The employee must have the ability to communicate information and ideas so others will understand. Must be able to exchange accurate information in these situations. The employee frequently observes details at close range (within a few feet of the observer). The employee may occasionally lift and/or move boxes or equipment up to 30 pounds for various needs.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position is a hybrid role. Persons holding this position are generally subject to inside environmental conditions having the lighting, temperature, while in an office, may be subject to noise level of an open floor-plan office environment (moderate, but occasionally loud at times). This role routinely uses standard office equipment such as computers, monitors, phones, printers, etc.

At Eastern Bank, we pride ourselves on supporting our employees by offering tremendous opportunity for individual growth. As an inclusive company, we work to ensure that our valued employees are treated fairly, recognized for their individuality, and encouraged to reach their fullest potential. These values have earned us a reputation as a great place to work and provide a strong reason why you should consider a career with us. We are proud to offer comprehensive compensation plans and a benefits program called Total Rewards that includes medical, dental, vision, life and disability insurance, retirement, vacation and tuition reimbursement.

Eastern Bank is an equal opportunity employer. All job applicants will be considered for employment without regard to race, color, religious creed, national origin, sex, sexual orientation, gender identity, genetic information, military service, age, ancestry, or disability.

At Eastern Bank, we are dedicated to building a diverse, equitable, inclusive and authentic workplace. If you’re excited about this role but your experience doesn’t fully align with every qualification, we still encourage you to apply! You may be just the right candidate for this position or others across the company. Our Recruitment team is waiting to chat with YOU.