Mortgage Specialist

Our culture is not just a poster in the hallway; it is a guiding principle we live by each and every day, one we carry forward even as our work changes around us. Non-stop change is part of our path, and we meet it by simplifying, not just doing more.

That means this role is expected to accept and adopt High Tech, High Touch practices using artificial intelligence and other digital tools to simplify outdated, low-value work so technology handles the routine, freeing us to stay present for what only a person can do: building relationships, solving complex problems, and responding with genuine care. Digital tools don’t replace those relationships; they remove the barriers that get in their way.

Central to this commitment is our cross-functional employee team, known as our "Culture Crew," dedicated to fostering community through engaging activities, reinforcing our cultural values, and ensuring their continuous integration into our daily operations. We define our culture according to our cultural pillars of:

• Membership Centric
• People Focused
• One Team
• Personal Achievement

JOB SUMMARY

This position is responsible for entering, compiling, reviewing, and verifying documentation for mortgage loan files. The role works closely with a small Operations team as well as members of the Mortgage Development team to support the processing, and/or closing and funding of mortgage loan transactions. In addition to production-related responsibilities, this role is assigned various departmental duties that support overall operational efficiency and team objectives.

ESSENTIAL FUNCTIONS

May include any and/or all of the following:

• Actively listen to and respond to member inquiries, suggestions, requests, and concerns in a professional and timely manner.
• Support the Mortgage Development Department by ensuring effective communication and timely processing of mortgage files, including obtaining and tracking required updated information.
• Demonstrate knowledge of documenting and calculating basic income types to meet GSE guidelines and/or portfolio lending standards.
• Perform required quality control reviews on all loan documentation to ensure loans are accurate, compliant, and eligible for sale to applicable GSEs or placement in portfolio.
• Coordinate with relevant third-party vendors and partners to ensure timely communication and efficient document processing.
• Assist Market Team Leads and Senior Mortgage Specialists with the preparation, review, and submission of final loan documents in accordance with regulatory requirements to successfully close mortgage loan transactions and maintain compliance.
• Research regulatory requirements and organize appropriate documentation, performing verifications as needed using All Regs.
• Assist in the review and reconciliation of necessary GLs and other reports to maintain relevant GAAP standards.
• Complete monthly reports such as relocation billing reports, HELOC reports; research discrepancies and make necessary corrections.
• Ensure strict adherence to document retention and records management policies.
• Complete all required training and compliance courses within established timelines.
• Perform additional duties and responsibilities as assigned to support departmental and organizational objectives.

KNOWLEDGE, SKILLS, ABILITIES AND PERSONAL CHARACTERISTICS

• Knowledge of:
  • • Mortgage Lending functions including policies, practices, and standards
    • Modern office equipment
    • Credit Union operations, procedures, products, services, philosophies, practices, and systems
    • Technology and various software programs including Dark Matter Empower, Symitar, Microsoft Suite Products, Synergy, and FICS Mortgage Servicer.
• Ability to:
  • • Read and interpret a variety of instructions furnished in written, oral, diagram, and schedule…