Mortgage Loan Closer

Zillow Zillow · Consumer · Bangalore, India

This role is for a Mortgage Loan Closer at Zillow Home Loans in Bangalore. The primary responsibility is to prepare, review, and finalize closing packages for mortgage loans, ensuring accuracy, completeness, and compliance with federal, state, and investor requirements. The role involves working within the Loan Origination System (Encompass preferred), verifying closing documents, coordinating with internal and external partners, and meeting closing deadlines. It requires 1-3 years of experience in mortgage closing or a related operations function, familiarity with various loan types, and strong attention to detail.

What you'd actually do

  1. Prepare closing documents in the Loan Origination System and ensure all required documentation is complete, accurate, and ready for closing.
  2. Verify the accuracy of the final Closing Disclosure and confirm compliance with applicable federal, state, and investor requirements.
  3. Ensure Encompass records are current, complete, and accurately reflect final loan terms and conditions.
  4. Review and use compliance system reports to validate that loan data and closing documentation meet required standards.
  5. Prepare closing worksheets and confirm all key figures, fees, and loan terms are aligned across documents.

Skills

Required

  • 1-3 years of prior experience in mortgage loan closing, settlement, or a closely related mortgage operations function.
  • Experienced working with multiple loan types, including Conventional, FHA, USDA, and VA.
  • Comfortable working in paperless mortgage file environments and navigating multiple systems and workflows.
  • Detail-oriented, organized, and able to identify errors or inconsistencies before they impact closing.
  • Strong written, verbal, and analytical communicator with the ability to work effectively across cross-functional teams.
  • Able to manage multiple loans, priorities, and deadlines in a fast-paced production environment.
  • Comfortable adapting to changing timelines and business needs while maintaining a high standard of quality.
  • Strong problem solver with a customer-first mindset and a commitment to operational excellence.
  • Proficient with Microsoft Office and other standard business tools.

Nice to have

  • Experienced working with Loan Origination Systems (LOS), with Encompass experience strongly preferred.
  • Experience preparing and reviewing Closing Disclosures, settlement documents, and final closing packages.
  • Working knowledge of mortgage compliance requirements and document accuracy expectations across the closing process.
  • Experience partnering with title companies, settlement agents, and loan officers to drive on-time closings.
  • Familiarity with post-closing issue resolution, audit support, or funding-related documentation review.
  • Experience supporting high-volume U.S. mortgage operations from an offshore or global delivery environment.

What the JD emphasized

  • mortgage loan closing
  • Closing Disclosure
  • Encompass