Mortgage Loan Closer

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The role

The Loan Closer supports the final stages of the mortgage process by coordinating directly with members, title and settlement partners, and internal lending teams to deliver accurate and timely loan closings.

In this role, you will manage a pipeline of loans from clear-to-close through document preparation and closing coordination. You will review closing documentation, reconcile Closing Disclosures, schedule closings with borrowers, and help resolve issues that could delay the closing process. Success requires strong attention to detail, effective communication, sound judgment, and the ability to manage multiple deadlines in a high-volume environment.

What you’ll do

• Review loan files and closing documents to confirm they meet company, investor, regulatory, and compliance requirements.

• Reconcile and approve Closing Disclosures before closing documents are released.

• Prepare accurate and complete closing document packages within established turn times.

• Schedule loan closings directly with borrowers and coordinate with title or settlement partners.

• Communicate clearly and professionally with members throughout the closing process.

• Identify missing, inaccurate, or inconsistent information and coordinate corrections with processing, underwriting, title, and post-closing teams.

• Maintain complete and accurate loan information and documentation within the loan origination system.

• Use checklists, job aids, and established procedures to confirm all required closing steps are completed.

• Manage a pipeline containing loans of varying products, complexity, and closing timelines.

• Prioritize files based on closing dates, document readiness, regulatory requirements, and member impact.

• Process a minimum of three files per day during normal business operations and adjust to changing production expectations established by management.

• Develop a strong understanding of the full loan lifecycle and how closing activities affect funding, post-closing, and the overall member experience.

• Consistently meet service-level expectations, quality standards, and closing deadlines.

• Work a Monday–Friday schedule within the operating hours of 8:00 a.m. to 6:00 p.m. Eastern Time.

What you’ll need

• A minimum of 2–3 years of recent, hands-on mortgage closing experience.

• Experience personally reviewing and preparing mortgage closing documents.

• Experience reconciling and approving Closing Disclosures.

• Working knowledge of TRID requirements and their application during the closing process.

• Experience communicating directly with borrowers or members regarding closing requirements, scheduling, and issue resolution.

• Experience coordinating with title companies, settlement agents, processors, underwriters, and other lending partners.

• Ability to independently manage a pipeline of loans with competing deadlines and varying levels of complexity.

• Strong attention to detail and a demonstrated commitment to document and data accuracy.

• Strong written and verbal communication skills.

• Ability to prioritize, multitask, and make sound decisions in a deadline-driven environment.

• Ability to follow established procedures while recognizing when an issue requires escalation or additional review.

Nice to have

• Experience closing Conventional loans.

• Experience closing FHA or VA loans.

• Experience closing Home Equity loans.

• Experience using Encompass or a comparable loan origination system.

• Experience managing approximately 80–100 loan files per month.

• Experience working in a high-volume mortgage lending environment.

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.