Producing Team Lead, Mortgage Closing - West Coast

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

We are a nationwide mortgage lender specializing in residential and commercial lending. The Producing Closing Team Lead works directly with the Closing Manager to manage the day-to-day functions of the Closing Department, while continuing to carry a pipeline of their own. The Team Lead will also work directly with the closing team members to assess and resolve loan level items.

Work Location: Remote - West Coast
Shift: 8:30am - 6:00pm PST

Pay: $72,000 - $87,000

What you'll do:

• Maintain and close your own pipeline of loans while overseeing daily activities of the loan closing department.

• Lead and manage the closing team, ensuring operational efficiency, compliance with company, federal, state, investor, and regulatory guidelines, and outstanding customer service.

• Partner with Sales, Compliance, and other operational areas to align processes, resolve issues, and support business growth.

• Develop and implement policies, procedures, and new processes to improve efficiency, technology adoption, and scalability.

• Provide coaching, mentorship, and training to closers and operational staff; facilitate ongoing development programs to build team capability.

• Monitor performance, deliver feedback, and support talent development through both informal coaching and formal evaluation processes.

• Review, approve, and document exception conditions or non-routine actions; resolve complex or sensitive issues and provide research and resolution support to management.

• Prepare and deliver reports and performance insights to management and sales leadership as needed.

• Stay current on industry laws, regulations, and exceptions impacting loan closing functions.

Who you are:

• Experienced closer with 3+ years of senior-level closing experience, including FHA, VA, Conventional, Jumbo, ARM, DPA/Bond, and HELOC/HELOAN loans (all required).

• Prior leadership experience with proven ability to mentor, coach, and motivate staff.

• Thorough knowledge of federal, investor, and bank regulations.

• Proficient with Encompass mortgage loan system, imaged-based loan document storage, Microsoft Office, and database reporting.

• Strong communicator with excellent verbal, written, and interpersonal skills.

• Analytical and detail-oriented, with strong problem-solving, time management, and organizational abilities.

• Comfortable implementing policies and procedures and collaborating across all levels of staff and management.

• High School Diploma or equivalent required.

Why you’ll love working at Lower:

• You’ll be surrounded by talented, dedicated people who believe in the company’s mission.

• You’ll be able to shape the future of Lower’s user experience.

• You’ll join a locally and nationally recognized best place to work that values promotion from within.

• There is opportunity for professional growth and development.

What you'll get:

• Extended benefit offerings including medical/dental/vision, life insurance short- and long-term disability, and parental leave

• Paid holidays and paid time off

• 401K with company match

• Discounts on home mortgage refinances or purchase

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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