Career Opportunities

Ruhl Mortgage is a full-service mortgage banker with experienced staff committed to offering expertise in every area of mortgage lending - from purchase to refinance to portfolio, bridge, and new construction loans. At Ruhl Mortgage, our strength lies in the knowledge and experience of our loan officers, who have been in the industry for decades and have successfully managed all types of home buying situations. We pride ourselves on our ability to provide superior customer service to our clients to help make their dreams come true.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

 

We provide our employees with a rewarding benefits package including medical, prescription drug coverage, employee, and spouse life insurance, dental, vision, flexible spending plan, 401(k) with employer match, paid time off, paid holidays, short- and long-term disability insurance and Aflac products.

 

Competitive pay based on experience.

Open Positions:

 

Mortgage Loan Closer (Moline, IL / Hybrid)

Job description

The Mortgage Loan Closer is responsible for coordinating and finalizing all documentation necessary for the closing of mortgage loans. This includes ensuring accuracy and compliance with company policies, as well as federal and state regulations.

 

Essential Duties and Responsibilities:

• Prepare, analyze, and maintain all file documentation related to loan closing activities. Examples include, but are not limited to, obtaining conditions, reviewing title work, obtaining payoffs, subordination agreements and ordering property location endorsements.
• Complete data entry to generate closing packages, ensuring adherence to secondary market guidelines and in compliance with federal and state regulatory guidelines.
• Ensure accuracy, organize, review, and analyze documents in the loan file related to closing; work with appropriate departments or third parties to rectify any problems.
• Serve as primary point of contact for closing activities. This includes serving as a communication touch point with the processing center, loan officers, Closing Agent, and post-closing departments.
• Accurately calculate all fees due and payable in order to timely request funds for wire through the loan origination system.
• Work closely with the bank’s settlement agents to coordinate closings, prepare documents, and ensure loans are closed in compliance with established policies and procedures.
• Monitor commitments and price expirations to expedite closing and ensure timely receipt of required documentation.
• Review signed closing packages to ensure accuracy prior to sending file for booking and shipping.
• Confirm fundings are successful; request return of funds if a closing is canceled.
• Assist with booking and shipping loans as needed.
• Assist with compliance, pre- and post-closing related tasks such as HMDA review, loan file audits and other compliance and quality control tasks as needed.
• Remain abreast of department, corporate, investor and industry guidelines and requirements.
• Other duties as assigned.

 

Requirements:

• High School Diploma or equivalent.
• Minimum of three years of experience in loan closing. Must have familiarity with laws and regulations and industry practices related to closing and shipping activities.
• Proficiency in loan origination software and Microsoft Office Suite.
• Knowledge of FHA, VA, Conventional, and USDA loans
• Excellent organizational, time management, and critical thinking skills.
• Strong attention to detail and accuracy.
• Exceptional communication and customer service skills.
• Ability to work independently and collaboratively in a team-oriented environment.
• Must possess good judgment and the ability to manage confidential information.
• Strong written, verbal, and interpersonal communication skills and the ability to use e-mail, telephone, and other communication tools, as necessary.

 

Pay and Benefits

 

The pay range for this position is $40K/yr - $60K/yr. Will commensurate with experience.

 

• Medical, Vision and Dental

• 401(K) Retirement Plan – Pre-tax and Roth post-tax contributions available
• Flex Spending Accounts
• Aflac Critical Illness, Accident & Hospital
• Company paid Life Insurance
• Company paid Short & Long-term Disability
• Employee Assistance
• Paid Time Off (PTO)
• Company Holidays
• Bereavement
• Jury Duty

 

Apply today! Send your resume to Human Resources at customerservice@ruhlmortgage.com

 

About Us:

Ruhl Mortgage is a full-service mortgage banker with experienced staff committed to offering expertise in every area of mortgage lending - from purchase to refinance. At Ruhl Mortgage, our strength lies in the knowledge and experience of our loan officers, who have been in the industry for decades and have successfully managed all types of home buying situations. We pride ourselves on our ability to provide superior customer service to our clients. NMLS# 935629

Ruhl Mortgage is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

To apply, please send a resume to Human Resources at customerservice@ruhlmortgage.com