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Position Overview:
The TPO Closer/Funder is responsible for managing the end-to-end closing and funding process for mortgage loans originated through third-party channels (brokers/correspondents). This role ensures loan files are accurately prepared, compliant with regulatory and investor requirements, and funded in a timely and efficient manner.
The TPO Closer/Funder acts as a key liaison between brokers, escrow/title partners, warehouse lenders, and internal teams to ensure a seamless closing and funding experience.
Closing Responsibilities:
- Review approved loan files to ensure completeness, accuracy, and compliance with all regulatory and investor requirements.
- Prepare and audit closing documents, including Closing Disclosures.
- Coordinate with brokers, processors, loan officers, and title/escrow to clear conditions and schedule closings.
- Balance Closing Disclosures and settlement statements to confirm final cash-to-close.
- Serve as a key point of contact for brokers throughout the closing process.
Funding Responsibilities:
- Review executed loan documents to confirm all funding conditions are met.
- Balance funding figures and ensure accuracy of loan disbursements.
- Initiate and manage wire requests in accordance with company and warehouse lender guidelines.
- Resolve discrepancies and ensure timely funding of all loans.
- Deliver complete and accurate loan files post-funding.
Experience & Minimum Qualifications (Skills, Knowledge & Abilities):
- 1–3+ years of mortgage closing and/or funding experience.
- Experience working in a TPO (broker/correspondent) channel preferred.
- Strong understanding of mortgage closing and funding workflows.
- Knowledge of compliance requirements (TRID, RESPA, etc.).
- Exceptional attention to detail and organizational skills.
- Ability to manage multiple loans in a fast-paced, deadline-driven environment.
- Strong communication skills and a customer-first mindset when working with brokers.
Essential Mental & Physical Requirements:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
- Frequently required to sit, stand, kneel, stoop, or squat
- Use hands or fingers to handle or feel objects, tools, or controls
- Reach with hands and arms
- Talk or hear
- Specific vision ability includes close vision, distance vision, color vision, depth perception and the ability to adjust focus
- Occasionally lift and/or move up to 25 pounds
- Ability to analyze situations logically to identify causes and draw solid conclusions
- Ability to anticipate the consequences of a situation
- Ability to modify one’s own behavior to meet expectations of others
- Ability to sustain one’s own emotions from interfering with responding effectively to internal and external customer’s needs
- Displays honesty and trustworthiness; has a sense of personal accountability; maintains a moral conviction to do the right thing
Physical Demands:
The physical demands 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 is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
Work Environment:
This job operates in an office setting and largely sedentary, requiring the routine use of a computer and other standard office equipment. The ability to lift or move up to 20 pounds, bend, reach, and perform manual tasks may also be required. Remote work is an optional setting. Work environment characteristics are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is exposed to weather condition prevalent at the time. Business travel may provide for varying degrees of change in the work environment. The noise level in work environment is usually moderate.
Benefits:
- Medical
- Dental
- Vision
- Matching 401(k)
- Paid Time Off
- Paid Holidays
Why American Heritage Lending:
- We are a high-growth Company that doubled our staff in 2023
- Competitive Salary
- Wide Product Options - Bridge, Fix and Flip, FHA, VA, Conventional, Non-QM, DCSR, Hard Money Loans and more
- We are not impacted by the volatility of the interest rate
This Company describes its culture as:
Family-Accountability-Integrity-Teamwork-Have fun along the way
Start your career today with American Heritage Lending!
Learn more about this Employer on their Career Site
