Non-QM TPO Closer

Spring EQ is hiring a Non-QM Loan Closer to join our rapidly growing Operations team. The ideal candidate will have at least three years of experience closing Non-QM loans, and a solid understanding of Non-QM loan products and mortgage closing procedures.

Requirements

• Manage Non-QM loan files from CTC through funding and post-closing, ensuring adherence to investor guidelines, regulatory requirements, and internal policies.
• Review closing request forms, title commitments, final Closing Disclosures (CDs), and settlement statements for accuracy, completeness, and compliance.
• Coordinate with brokers, broker processors, title/settlement agents, and internal underwriting, compliance, and funding teams to balance final figures and resolve discrepancies.
• Prepare and issue closing instructions to title companies and settlement agents.
• Validate conditions, trailing documents, and stipulations required for funding.
• Ensure proper vesting, entity documentation and personal guaranties (if applicable) are satisfied.
• Confirm compliance with state-specific and investor-specific closing requirements, including disclosures, rescission timelines, and signature requirements.
• Track closing timelines and proactively escalate delays or issues that may impact funding.
• Perform final quality control review prior to funding authorization.
• Maintain accurate and complete loan file documentation in the LOS and document management systems.
• Support post-closing by ensuring delivery of final documents and resolution of trailing conditions.

Benefits

• 401k Company Match
• Annual Charitable Matching Gift Program
• Commuter Benefits
• Company Holidays
• Credit Union Membership
• Dental Insurance
• Dependent Care Plan
• Disability Insurance
• Employee Assistance Program
• Life Insurance
• Medical Insurance
• Paid Time Off Plan
• Vision Insurance
• Weekly Non-Management Dinner Benefit