Closer

Ruoff Mortgage

Closer ensuring loan transactions are accurate and compliant at Ruoff Mortgage. Responsible for reviewing files, coordinating with teams, and preparing loans for closing.

Posted 7/10/2026full-timeFort Wayne • 🇺🇸 United StatesMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

Ensures an “investment” quality loan through complete and thorough analysis and review of all closing documentation.
Will work within guidelines set by the lender and other standard, state and federal guidelines by FNMA, FHLMAC, FHA, VA and USDA to ensure all documents are correct and all terms of the loan are met.
Review loan files to verify that all closing conditions and underwriting requirements have been satisfied prior to closing and funding.
Confirm accuracy of title commitments, vesting, legal descriptions, homeowner's insurance, flood determinations, tax information, and other required closing documentation.
Prepare, review, and coordinate closing packages to ensure compliance with company, investor, and regulatory guidelines.
Identify and resolve documentation, compliance, or funding issues by collaborating with loan officers, processors, underwriters, title companies, settlement agents, and other parties involved in the transaction.
Exercise sound judgment when reviewing loan files, escalating exceptions, discrepancies, or potential risks as appropriate.
Communicate effectively with borrowers, internal teams, and external partners to facilitate smooth and timely closings.
Assist with the training of new closing team members as needed.
Maintain accurate loan records and ensure all documentation is completed, received, and properly retained.
Uphold a professional image and conduct that reflects the company's values, policies, and commitment to customer service.
Maintain a high level of confidentiality and security when handling borrower information, company records, and sensitive documentation.
Perform other duties and special projects as assigned.

Requirements

What you’ll need

Demonstrate a working knowledge of FHLMC and/or FNMA and FHA/VA guidelines and private mortgage requirements.
Stay current on the requirements of state housing finance agency programs, including IHCDA, OHFA, MSDHA, and KYHC.
Ability to read, write, and communicate at a level consistent with the requirements of this position, including legal documents and to non-technical staff.
Ability to clearly organize information, understand relevant laws, identify and fix any financial discrepancies that may arise, and perform mathematical equations accurately.
Ability to learn and support new systems and applications and use critical thinking to make good decisions and meet deadlines.
Demonstrated ability to handle multiple projects and details simultaneously; holds self to a high level of quality.
Must be self-motivated and enthusiastic to obtain personal and company goals.
Ability to stay organized to easily retrieve information and documents as needed.
Flexibility to adapt to peak periods of heavy workload and pressure.
Bachelor’s degree in related field, preferred.
High school diploma or equivalent is required.
Minimum of three years’ overall mortgage lending experience, preferred.
Proficient with MS Office including Word, Excel and PowerPoint.
Experience with Encompass software, preferred. Must maintain industry standard training according to company policies.

Benefits

Comp & perks

Enjoy comprehensive health insurance plans, including medical, dental, and vision coverage, to keep you and your family healthy.
Take advantage of a 401(k) plan with company match to help you plan for your future.
Benefit from paid vacation, holidays, and sick leave to ensure you maintain a healthy work-life balance.
We support your growth with training, education, and opportunities for career advancement.
Access confidential counseling and support services for personal or professional challenges.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Loan Documentation AnalysisCompliance VerificationMathematical AccuracyInformation OrganizationFinancial Discrepancy Resolution

Soft Skills

Effective CommunicationCritical ThinkingSelf-MotivationFlexibilityDetail Orientation