Residential Mortgage Closer

We are changing FINANCE to finance CHANGE!

At Climate First Bank, we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in St. Petersburg, Winter Park, Mount Dora, and a growing digital presence, we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them.

Under our Holding Company, Climate First Bancorp, we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending.

Join the Movement

We’re seeking driven, mission-aligned individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

Now Hiring: Residential Mortgage Closer

We’re looking for a Residential Mortgage Closer who will guide borrowers through a smooth, compliant, and timely closing experience—preparing disclosures, managing CDs, coordinating closing packages, and supporting funding. This important work will keep our lending pipeline moving and borrowers delighted.

Thrive at Climate First Bank

At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.

Compensation — In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us

• Medical, Dental & Vision Insurance
• Health Savings Account (HSA)
• Free Telemedicine access via Teladoc

Financial Wellness & Wealth Building

• 401(k) with 6% Employer Match — No Vesting Period.
• Employee Stock Options
• Exclusive Employee Banking Perks
• 0% Financing for Employee Solar Loans
• Employee Only Mortgage Product with exclusive interest rates and terms.
• 0% Financing for Eligible Electric Vehicles (EVs)
• Referral Incentives

Generous Paid Time Off

• 2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
• 64 Hours of Paid Sick Time for all full-time employees.

Protection & Peace of Mind

• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services.

What You’ll Contribute as a Residential Mortgage Closer

Disclosures & TRID Compliance

• Prepare accurate initial disclosures.
• Complete all Change of Circumstances (COCs).
• Generate compliant closing disclosures.
• Track regulatory timelines with precision.
• Communicate requirements proactively.
• Maintain full documentation accuracy.
• Resolve disclosure-related issues quickly.

Closing Package & Funding Coordination

• Assemble complete, error‑free closing packages.
• Partner with title, settlement, and internal teams.
• Review final figures and conditions.
• Prepare files for seamless funding.
• Ensure timely delivery of documents.
• Support borrowers throughout closing.
• Troubleshoot last‑minute closing needs.

Pipeline Workflow & Team Collaboration

• Work closely with fellow Closing Coordinator.
• Manage daily pipeline tasks efficiently.
• Split loan types and workloads effectively.
• Leverage Mortgage Bot & ImageFlow systems.
• Communicate loan status updates clearly
• Support process improvements.

Champion Our Mission, Protect What Matters

• Embody a commitment to environmental, social, and economic justice.
• Apply curiosity and interest in our core values and pursue education related to sustainability practices.
• Demonstrate an understanding of established Bank policies, procedures, and regulations.
• Question suspicious activity and stay in close collaboration with our Compliance department.
• Stay informed on legal context and regulatory requirements.

What You’ll Leverage in this Role:

Experience & Education

• 3+ years of residential closing experience.
• Strong knowledge of TRID specialization.
• Initial disclosure experience a strong plus.
• Familiarity with MortgageBot and Imageflow preferred.

Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You solve problems efficiently, seek operational efficiencies and are an organizational mastermind that keeps multiple files moving with ease. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance.

Master Communicator - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with stakeholders at all levels of the organization.

Banking & Fintech Acumen- You are highly educated in financial products and services, applicable regulations and laws, especially those pertaining to Residential Lending.

Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work product and streamline your creative process. Additionally, you are well versed in MortgageBot and Imageflow\

Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You’re dependable, communicate clearly and always happy to lend a hand where needed.

What to expect from your physical environment

• Remote role within the United States; Eastern Standard Hours.
• Occasional U.S. travel for company events or leadership sessions.
• Sustained standing and sitting.
• Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor.
• Occasional lifting up to 20 lbs.

What to expect from the hiring process:

Our process follows the Topgrading Methodology — we hire A-Players through a structured, transparent process.

• Credit and background checks conducted upfront.
• 3 conversation stages with key team members. We welcome questions and dialogue!
• Cognitive and personality assessments, as well as in-depth application spanning your full education and work history.
• Final Step: Connect us with former mentors and managers for brief reference chats.

HOW TO APPLY: Apply through the official application link. Resumes sent via unofficial channels may be delayed or not reviewed. All applicants receive confirmation upon submission. Due to high volume, processing times may vary. We will email or text updates throughout the process.

Equal Opportunity Statement:

At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans

E-Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment.

Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.