Senior Mortgage Closer

Job Title: Senior Mortgage Closer

Working at Workers Credit Union

At Workers Credit Union, everything starts with a simple but powerful purpose: We enable financial prosperity through values-driven solutions because everyone deserves a future they can believe in.

For more than a century, we've been a trusted partner in helping people make confident financial decisions and build stronger futures. Today, as a $2.5B organization serving over 120,000 members, we continue to evolve, thoughtfully blending personal connection with modern capabilities to better support our members in the moments that matter most.

We call this the Workers Way. It shapes how we show up every day, with personalized guidance, practical solutions, and a deep commitment to doing what's right. Just as importantly, it defines how we work together. We choose purpose over ego. We communicate directly with respect. We dare to grow. We do the right thing, always. And we win together, because meaningful results are built through shared success.

As we look ahead, we're building on a strong foundation and continuing to evolve how we operate and deliver impact, simplifying experiences and strengthening capabilities. We have big plans for the future, and we hope you'll be part of what comes next.

Why this Role Matters

Ensures a seamless and compliant closing process by performing thorough pre-funding audits and preparing all required closing documents with precision. This role collaborates closely with cross-functional teams to swiftly resolve any issues that could impact the closing timeline, thereby ensuring timely and efficient fundings. Additionally, the Closer maintains detailed records to meet audit standards and drive continuous process improvements.

What You'll Contribute

• Conduct a comprehensive pre-funding audit of mortgage and home equity files to ensure data accuracy, complete documentation, and compliance with investor, regulatory, and credit union policies.
• Collaborate with the Closing Agent, Attorney, or branch to schedule closings, confirming that all necessary pre-closing documents (e.g., insurance binder, title commitment, funds-to-close) are in place, and update the loan software and posting journal with the closing date.
• Generate the pre-Closing Disclosure and ensure it is delivered to the member via mail or electronically to meet regulatory requirements in order to close timely.
• Inform the closing attorney that the first mortgage is cleared to close and request essential documents, including the closing date, title report, payoff, and tax information.
• Prepare and deliver the closing documents to the appropriate Closing Agent, Attorney, or branch.
• Order the LQCC report as needed, obtain member feedback when credit report changes occur, and perform a verbal employment verification prior to loan closing.
• Execute the investor quality control check by validating loan data against underwriting data and addressing any errors.
• Collaborate with underwriting, processing and origination teams to resolve escalated issues and ensure timely closings.
• Submit the Uniform Closing Dataset (UCD) to the investor as mandated, reviewing and resolving any feedback-related errors.
• Support post-closing quality control by identifying and addressing documentation or compliance issues that arise after funding.
• Demonstrate behaviors in line with the Credit Union's Fundamentals as part of the Workers Way culture program.
• Serve as a resource and mentor to junior closers, providing guidance on complex closing scenarios and regulatory compliance.
• Demonstrate advanced knowledge of investor closing guidelines, secondary market requirements, and federal/state regulations; ensure adherence across all closing activities.
• Monitor changes in investor or regulatory closing requirements and proactively inform management of updates that may impact procedures or timelines.
• Lead quality control efforts by reviewing closing packages for accuracy and completeness prior to funding.
• Assist in training new closers and temporary staff, ensuring consistency in closing procedures and documentation standards.
• Take ownership of high-volume or high-complexity pipelines, including loans with multiple disbursements, construction loans, or portfolio products.
• Participate in departmental initiatives aimed at improving closing efficiency, compliance, and member experience.
• Support the implementation of system enhancements, policy updates, and procedural changes in coordination with mortgage leadership.
• Assume additional responsibilities as required.

Other Duties:

• May be asked to provide coverage in other WCU branches or departments.
• Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses.
• Participates in department and/or organizational projects as directed.
• Performs other tasks or functions as required, requested, necessary or prudent.
• Maintains confidentiality of all member and credit union information and data.
• Regularly demonstrates behaviors as defined by the credit union's Fundamentals, which are part of the Workers Way culture program.

What You'll Bring

• High School Diploma or Equivalent Required.
• 4-7 years of experience in mortgage closing, including handling complex loan types such as construction, portfolio, and multi-disbursement loans. Demonstrated expertise in investor and regulatory closing guidelines, with experience mentoring junior closers and leading quality control efforts. Proven ability to manage high-volume pipelines, support post-closing issue resolution, and contribute to process improvements and team development.

How You'll Work

Classification: Hybrid (10 onsite days/month at our Littleton, MA HQ)

Work Environment: This role is currently classified as a hybrid position. However, the classification is subject to change based on business needs.

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.
• This is a largely sedentary role.
• While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms.
• This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines.
• Ability to travel to other work locations as required.

Compensation

Pay Grade: 9

FLSA Status: non-exempt

Pay Grade Range: $27.51-$34.39

Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

Total Rewards

• Comprehensive medical, dental and vision plans
• Basic life and AD&D insurance, short-term disability and long-term disability
• 15+ days of paid time off (PTO) per year
• Up to 16 hours of volunteer time off (VTO) per year
• 11+ paid holidays
• 401(k) that includes a Safe Harbor Match of up to 4%.
• Tuition Reimbursement Program
• Mental health resources including an Employee Assistance Program (EAP)
• Individualized learning and development programs

Our Commitment to Inclusion

Workers Credit Union is an equal opportunity employer committed to creating an inclusive environment where all individuals feel respected, valued, and supported. We believe that diverse perspectives strengthen our organization and enhance our ability to serve our members and communities.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other protected characteristic under applicable law.