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At Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being.  We are committed to exceeding expectations and having a strong commitment to diversity and inclusion.  As a Residential Loan Closer, you will have a thorough knowledge of residential loan products, closing documents, policies, and procedures. You will be responsible for the coordination and preparation of all retail loans closing and handle customer contact as it pertains to the closing of the loan


Key Result Areas:  


  • Effectively manage and monitor assigned pipeline for loan closings within compliance, rate lock expiration dates and purchase and sale closing dates.

  • Attend regularly scheduled pipeline meetings to discuss status of loans and actions to be taken.

  • Work both independently and as a team with Mortgage Loan Officers, Loan Analysts, Underwriter, Branches, Loan Servicing, Attorneys and Management to ensure a smooth closing process.

  • Ensure all compliance requirements are met on every file.

  • Schedule loan closing with attorney and/or branch.

  • Ensure proper maintenance of Encompass throughout the closing process. To include reviewing borrower’s names, subject property address, and update fees as applicable.

  • Work with Closing Attorney to obtain all fees related to the loan closing to accurately complete the Closing Disclosure and that it is delivered to the borrower(s) at least 7 days prior to closing to ensure compliance of TRID.

  • Complete Verification of Employment on borrower(s) with a maximum of 7 days prior to closing.

  • Prepare and review closing documents utilizing checklist(s), Title, MLC, and Encompass for accuracy and compliance.

  • Assist to cure all post-closing errors and omissions on both investor and portfolio loans.

  • Knowledge of parameters and requirements of all loan products offered.

  • Establish and maintain effective working relationships with other employees and customers.

  • Contribute to the effective team management of all bank problems, issues, and opportunities.

  • Review Closing Disclosure for accuracy to complete Final Loan Review process including but not limited to refreshing credit, ALTA, Seller CD 1003 & 1008.

  • Perform additional duties as required.




  • High school education
  • 3-5 years' experience working in a loan processing, closing, servicing or underwriting environment
  • Complete knowledge of mortgage loan products, preferably CSB products
  • Technically proficient in MS Office and able to quickly learn and support digital platforms
  • Customer service oriented
  • Knowledge of federal and local regulations or ordinances concerning lending activities
  • Strong analytical, organizational, communication skills, and attention to detail
  • Strong understanding of Secondary market guidelines such as FNMA, FHLMC and approved Investors.

The above description covers the most significant responsibilities but does not exclude other occasional responsibilities and accountabilities, the inclusion of which would be in conformity with the major purpose of this job.




Waltham, Massachusetts 


About Cambridge Savings Bank: 


Cambridge Savings Bank is a full-service banking institution with over $5 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers, and the communities we serve. One of the oldest and largest community banks in Massachusetts, Cambridge Savings Bank offers a full line of individual and business banking services across a robust Massachusetts-based branch network and through digital banking solutions for commercial, small business and consumer customers. To learn more about how we can meet your needs, visit us at cambridgesavings.com, or better yet, come meet us to help you make the most out of your banking relationship.


Cambridge Savings Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. We are a VEVRAA Federal Contractor.