**Location:** For Those Who Work At Home, New York ABOUT THE JOB (JOB BRIEF): The Senior Mortgage Loan Closer reports to the Mortgage Loan Closing Manager and is responsible for viewing loan approval conditions, insurance policies, title commitments, surveys, sales contracts, and all other related documentation to ensure that the loan will be closed in accordance with all legal requirements and investor guidelines. Authorizing closing of loan, recording of mortgage and disbursement of loan funds. Communicate with Loan Officers, Regional Sales Managers, clients and title companies to coordinate a smooth closing. Possess the ability to close an array of mortgage loan types while providing excellent internal and external customer service. Must have a complete knowledge of all loan types and documents including but not limited to Conventional, FHA, VA, USDA, and New Construction. Must demonstrate solid knowledge of the industry in terms of laws and regulations. ESSENTIAL JOB FUNCTIONS: • Verify that Title is free of extraneous liens, ensure proper vesting and legal description, adequate Homeowners Insurance is provided, verify CPL, verify Flood Certs, verify Taxes • Monitor and maintain a pipeline to anticipate estimated closing date • Competently review loan files to insure all conditions are cleared and file is ready to close • Entry of loan data into the origination system to produce closing documents • Review and ensure the loan closing package is accurate, complete and documents meet all applicable agency and investor requirements • Responsible for efficiently and effectively communicating with all parties involved in the transaction • Ensure receipt and review of Subordination Agreements as required in the Loan Approval • Track and support information, ensuring the highest quality in loan document preparation and timely submission of loan packaging to the settlement agents • Coordinate with Settlement Agent to obtain HUD-1/Closing Disclosure. Review HUD/Closing Disclosure for compliance with closing instructions and balance the HUD-1/Closing Disclosure • Verification that all requirements of the loan process have been met prior to wire of funds • Keeps information accessible by sorting, organizing, and filing documents • Perform other job duties and assist with other office assignments when needed within the mortgage department • Mentors/trains new closers • Maintains goal of 95% or better on post-closing review • Takes on extra closing files during the day • Covers for closers when they are out of the office REQUIRED QUALIFICATIONS: • High school diploma or equivalent work experience required • Minimum 3 – 5 years of experience as a closer • Working knowledge of FHA, VA and conventional guidelines for mortgage loan origination • Working knowledge of various regulatory guidelines (e.g., Truth-in-Lending, HMDA, RESPA, etc.) • Ability to work in paperless system environment • Excellent written and verbal communication skills • Strong attention to detail with effective time management/organizational skills • Ability to prioritize and meet deadlines • Ability to handle multiple tasks under tight time constraints with high volume • Must demonstrate the ability to work in a fast-pace, high volume, market driven work environment, while remaining motivated and focused completing repetitive, yet business critical tasks • Ability to handle confidential material in a professional, highly ethical manner COMPENSATION AND BENEFITS This position is eligible to earn a base hourly rate in the range of $24 to $28 per hour depending on location and job-related factors such as level of experience. Compensation for this role also includes short-term incentive compensation subject to individual and company performance. Please click here (https://www.key.com/kco/images/Key\_Benefit\_Eligibility\_Chart.pdf) for a list of benefits for which this position is eligible. Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment. Job Posting Expiration Date: 10/31/2025 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com. \#LI-Remote KeyBank is an organization collectively committed to helping you unlock your potential and discover what truly drives you. Working here means sharing our purpose to help our clients, colleagues, and communities thrive. You’ll find genuinely supportive teammates, a flexible, inclusive work environment, challenging projects, accessible leaders, and opportunities to grow in your position and your career. For 200 years, Key has opened doors in our communities. Let us open one for you.