Post job

Senior loan processor vs loan closer

The differences between senior loan processors and loan closers can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 4-6 years to become a senior loan processor, becoming a loan closer takes usually requires 2-4 years. Additionally, a senior loan processor has an average salary of $50,297, which is higher than the $39,093 average annual salary of a loan closer.

The top three skills for a senior loan processor include customer service, FHA and va. The most important skills for a loan closer are customer service, excellent organizational, and TRID.

Senior loan processor vs loan closer overview

Senior Loan ProcessorLoan Closer
Yearly salary$50,297$39,093
Hourly rate$24.18$18.79
Growth rate4%-3%
Number of jobs21,99511,431
Job satisfaction--
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 51%
Average age4542
Years of experience64

What does a senior loan processor do?

A senior loan processor works in a financial institution to solicit, negotiate, and coordinate consumers' and commercial loans. Old loan processors must review and verify loan documents and ensure that the required documents are complete and accurate. In the case of missing documentation, senior loan processors must communicate with customers to avoid loan approval delay. Old loan processors must also obtain a bachelor's degree in finance, business administration, or any other related field.

What does a loan closer do?

A loan closer is primarily in charge of handling and closing loan documentation, ensuring accuracy and smooth transactions. A loan closer's responsibilities revolve around liaising with clients to guarantee that they adhere to every term in the contract, preparing necessary reports and documents, monitoring payment progress, and ensuring that they have a deep understanding of the obligations under the contract. Furthermore, it is essential to maintain records of all transactions and assist clients, all while implementing the company's policies and regulations.

Senior loan processor vs loan closer salary

Senior loan processors and loan closers have different pay scales, as shown below.

Senior Loan ProcessorLoan Closer
Average salary$50,297$39,093
Salary rangeBetween $33,000 And $75,000Between $30,000 And $50,000
Highest paying CityBaltimore, MDBellevue, WA
Highest paying stateHawaiiWashington
Best paying companyAccentureTata Group
Best paying industryProfessionalFinance

Differences between senior loan processor and loan closer education

There are a few differences between a senior loan processor and a loan closer in terms of educational background:

Senior Loan ProcessorLoan Closer
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 51%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Senior loan processor vs loan closer demographics

Here are the differences between senior loan processors' and loan closers' demographics:

Senior Loan ProcessorLoan Closer
Average age4542
Gender ratioMale, 23.0% Female, 77.0%Male, 22.6% Female, 77.4%
Race ratioBlack or African American, 9.1% Unknown, 4.6% Hispanic or Latino, 15.8% Asian, 6.3% White, 63.6% American Indian and Alaska Native, 0.5%Black or African American, 12.9% Unknown, 4.3% Hispanic or Latino, 14.8% Asian, 7.0% White, 60.6% American Indian and Alaska Native, 0.4%
LGBT Percentage8%7%

Differences between senior loan processor and loan closer duties and responsibilities

Senior loan processor example responsibilities.

  • Work knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors.
  • Monitor compliance with the regulatory and secondary markets guidelines with FNMA, FHLMC, VA, FHA investors and PMI loans.
  • Process conforming, non-conforming, FHA, and VA files from the time of application to the day of funding.
  • Analyze all pertinent financial and credit data to determine the loan risk for bank, VA, and investor guidelines.
  • Process, close, and perform preliminary underwriting on conventional, FHA, and VA loans retail purchase and refinance.
  • Create charts and client files using calyx system.
  • Show more

Loan closer example responsibilities.

  • Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
  • Update files by obtaining annual and interim financial statements, renew insurance policies and UCC amendments, continuations and terminations.
  • Maintain a working knowledge of government underwriting policies pertaining to multiple programs such as VA, USDA, and FHA financing.
  • Gain knowledge of requirements establish by the FHA/VA, FNMA, FHLMC and private investors.
  • Prepare the delivery of mortgage loan documents to facilitate the processing of mortgage loan closings including TRID.
  • Prepare loan documents for retail mortgages (conventional, VA, FHA), all states in a paperless environment.
  • Show more

Senior loan processor vs loan closer skills

Common senior loan processor skills
  • Customer Service, 14%
  • FHA, 8%
  • Va, 8%
  • Property Appraisals, 6%
  • Calculate Income, 6%
  • Loan Applications, 6%
Common loan closer skills
  • Customer Service, 24%
  • Excellent Organizational, 5%
  • TRID, 4%
  • FHA, 4%
  • Va, 4%
  • RESPA, 4%

Browse business and financial jobs