Mortgage Operations - Senior Loan Closer/Funder

The role

This role closes and funds mortgage loans as a senior operations lead. The job covers final document checks, wire funding, closing workflow, and post-closing investor conditions, and includes work with engineering teams on closing and funding systems.

What you will do

• Serves as the final operational check for final documents and funding, managing complex disbursements and ensuring adherence to internal financial controls
• Manages the closing workflow, ensuring timely package generation, accurate fee reconciliation and adherence to TRID timelines across the team
• Prepares and reviews CDs, loan documents and escrow instructions to ensure compliance with federal, state and investor guidelines
• Manages the full funding process, executing wire requests, funding review and authorization
• Leads complex closing transactions, acting as subject matter expert on loan documentation, compliance and funding
• Utilizes expert knowledge of investor purchase conditions and post-closing QC findings to guide the team and implement preventative measures to ensure salability
• Supports post-closing functions as needed including investor condition clearing, trailing document follow-up and purchase suspense resolution
• Coordinates with title companies, escrow agents and borrowers to facilitate the closing process
• Collaborates across processing, origination, post-closing, compliance and legal to ensure adherence to evolving regulations
• Partners with engineering and vendor implementation teams on closing and funding system projects, including requirements definition, configuration validation, user acceptance testing and post-release

Required qualifications

• 4+ years mortgage loan closing and funding experience in a Senior or Team Leader capacity, including hands-on post-closing exposure such as investor conditions, trailing documents and purchase suspens
• Experience preparing wire orders and conducting funding authorization reviews
• Proficiency in LOS systems, document preparation software and closing platforms
• Proficiency reading and interpreting XML and MISMO files
• Working knowledge of take-out investor delivery and purchase requirements, and of warehouse line funding workflows
• Advanced working knowledge of federal and state regulations including TRID and state-level disclosure requirements
• Excellent organizational skills, able to set and meet deadlines in a fast-paced environment
• Experience training and mentoring others
• Excellent customer service and interpersonal skills
• Demonstrated ability to communicate effectively with internal and external partners and influence positive outcomes at all levels of an organization

Nice to have

• Experience in a broker or correspondent environment

Before you apply

• The interview process includes a 15 to 20 minute take-home assignment after a recruiting conversation, then meetings with mortgage operations leads and a cross-functional final round

About the company

Wealthfront is a financial company that builds low-cost, technology-driven products for saving, investing, and borrowing, including a digital-first mortgage experience. Mortgage Operations focuses on automating mortgage origination.