Job Description

GSE Head of Multifamily Agency ClosingZions Capital Markets is the newest bank-sponsored dual license holder with Fannie Mae and Freddie Mac. Backed by the strength and regional reach of Zions Bancorporation, we are establishing a disciplined, scalable multifamily lending business focused on delivering best-in-class execution to institutional and private real estate clients.Team OverviewThe GSE Multifamily platform is responsible for originating, underwriting, closing, delivering, and servicing multifamily transactions across both Fannie Mae and Freddie Mac programs. The loan closing function is central to execution quality, legal documentation, agency compliance, funding certainty, and borrower experience. The Head of Multifamily Agency Closing will serve as a senior transaction execution leader and legal-documentation resource across the platform.Role OverviewThis position offers the opportunity to serve as a senior agency loan closing professional within a newly formed dual-agency lending platform. The Head of Multifamily Agency Closing will manage complex Fannie Mae and Freddie Mac multifamily loan closings from commitment through delivery, coordinate legal and diligence workstreams, resolve closing issues, and help establish scalable closing processes, controls, and best practices. The ideal candidate will bring a minimum of 15 years of legal and loan closing experience, with deep familiarity with agency multifamily execution, loan documentation, title, survey, organizational documents, third-party reports, and closing mechanics.Key ResponsibilitiesLead and manage agency multifamily loan closings from application, underwriting handoff, and commitment through funding, delivery, and post-closing follow-upCoordinate closely with internal counsel, outside counsel, borrowers, borrower’s counsel, title companies, surveyors, consultants, agencies, underwriters, originators, capital markets, servicing, insurance, asset management, and operations teamsReview, negotiate, and manage closing documentation, including loan agreements, notes, security instruments, guaranties, assignments, UCC filings, certificates, opinions, organizational documents, title policies, surveys, insurance materials, and related diligenceIdentify, escalate, and resolve legal, documentation, diligence, title, survey, insurance, organizational, authority, and closing-condition issues in a practical and timely mannerEnsure transactions are closed in accordance with Fannie Mae and Freddie Mac requirements, internal credit approvals, delegated authority, compliance standards, and platform execution proceduresMaintain comprehensive closing checklists, status trackers, open-item lists, documentation logs, and post-closing follow-up items for each transactionPartner with underwriting and originations to confirm that approved deal terms, credit conditions, loan sizing, borrower structure, collateral requirements, and agency-specific requirements are accurately reflected in closing documentsReview third-party work product and closing deliverables for completeness, consistency, and alignment with transaction structure and agency requirementsDrive closing calls, manage issue lists, coordinate timing, and keep all parties aligned on required deliverables, funding milestones, and execution deadlinesSupport loan delivery, document custody, post-closing trailing documents, final title policies, recorded instruments, collateral files, and audit-ready file completionServe as a senior resource to junior closers and transaction team members, helping develop closing discipline, standard procedures, templates, and quality control practicesContribute to the development of scalable closing workflows, reporting tools, internal controls, escalation protocols, and best practices as the agency lending platform growsTake on additional execution, process, and leadership responsibilities as the platform evolvesQualificationsMinimum of 15 years of legal and loan closing experience required, preferably with significant multifamily agency lending experiencePrior experience closing Fannie Mae DUS and/or Freddie Mac Optigo multifamily loans strongly preferredDeep knowledge of commercial real estate loan documentation, title and survey review, borrower organizational structures, legal opinions, authority documents, insurance requirements, and closing mechanicsDemonstrated ability to manage multiple complex transactions simultaneously while maintaining execution discipline, accuracy, and responsivenessStrong understanding of agency closing requirements, lender counsel processes, delivery requirements, post-closing obligations, and audit-ready file standardsExperience working directly with borrowers, borrower’s counsel, outside counsel, title companies, agencies, internal credit teams, servicing, and capital markets professionalsBachelor’s degree required; J.D., paralegal background, or equivalent legal-documentation experience preferredSkills and CapabilitiesSenior-level legal and transaction judgment with the ability to spot issues early, frame practical solutions, and drive closings to completionStrong command of commercial real estate loan documentation, legal due diligence, title, survey, insurance, entity authority, collateral perfection, and closing conditionsExceptional organizational skills with the ability to maintain detailed checklists, manage competing deadlines, and keep multiple stakeholders alignedClear and confident written and verbal communication skills, including the ability to explain closing issues, risks, and required actions to senior stakeholdersHigh attention to detail and strong ownership mindset, with a focus on complete, accurate, agency-compliant, and audit-ready filesCollaborative, practical, and solutions-oriented approach to working with originations, underwriting, legal, capital markets, servicing, and external transaction partiesAbility to operate effectively in a growth-oriented, build-phase environment while helping establish a disciplined and scalable closing infrastructureLocation:This role can be located anywhere in the U.S.Pay Range (Depending upon relatable skills and experience): $150,000 - $250,000Benefits:Medical, Dental, and Vision Insurance – START DAY ONE!Life and Disability Insurance, Paid Paternal Leave, and Adoption AssistanceHealth Savings (HSA), Flexible Spending (FSA), and dependent care accountsPaid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays401(k) plan with company match and Profit SharingMental health benefits, including coaching and therapy sessionsTuition Reimbursement for qualifying employeesEmployee Ambassador preferred banking products

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