Loan Review Specialist

Position: Home Loan Review Specialist

Delta Community Credit Union Administrative Office – Riverwood 200

Full Time

Create your success story at Delta Community Credit Union – where opportunity meets purpose. Through our commitment to excellence, Delta Community has received numerous industry awards and earned the trust and loyalty of our employees, members and the metro Atlanta community. We value talent, encourage growth and keep community at the heart of everything we do. That’s why we’re one of Atlanta’s Best Places to Work!

Whether you’re starting your professional journey or navigating the next step in your career, we invite you to join the Delta Community Credit Union team.

The Home Loan Review Specialist serves as an independent quality control resource within the mortgage origination process. This position is responsible for reviewing mortgage loan applications and supporting documentation prior to assignment to a Loan Processor to ensure files are complete, accurate, compliant, and meet established submission standards. The specialist acts as a neutral third‑party reviewer between Loan Officers and Loan Processors, helping improve file quality, reduce processing delays, and enhance overall operational efficiency.

This position reviews first and second mortgage loans intended for sale to investors through the secondary market, as well as loans retained in portfolio.

Practices safety‑conscious behaviors in all operational processes and procedures.

• Perform comprehensive pre‑processing reviews of first and second mortgage loan files to verify completeness, accuracy, and readiness for processing.
• Validate that all required documentation has been obtained and properly uploaded, including income, asset, credit, collateral, disclosure, and compliance documentation.
• Review loan applications and system data for consistency and identify missing, inaccurate, or conflicting information.
• Confirm files meet established underwriting submission standards, investor guidelines, and internal lending requirements prior to processor assignment.
• Identify documentation deficiencies and communicate required corrections or outstanding items to Loan Officers in a timely and professional manner.
• Serve as a neutral quality control resource between Loan Officers and Loan Processors to promote accountability and consistency throughout the mortgage origination process.
• Monitor and track file quality trends and recurring deficiencies, providing feedback to management regarding process improvement opportunities.
• Ensure compliance with applicable federal and state mortgage regulations and internal policies.
• Utilize mortgage origination systems, automated underwriting systems, and workflow tools to document reviews and maintain accurate records.
• Meet established productivity, quality, and turnaround time standards.
• Assist with special projects, process improvement initiatives, and training efforts as assigned.

• This description reflects management’s assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.
• This job description is subject to change at any time.

Position may offer work from home opportunities, pending specific performance and departmental needs.

Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future.

• High School diploma or equivalent.
• 3+ years experience in mortgage lending, loan processing, underwriting, quality control, loan origination, or a related mortgage operations role.
• Thorough knowledge of federal mortgage regulations including, but not limited to, TRID, RESPA, HMDA, ECOA, FCRA, FDPA, and Regulation Z.
• Extensive knowledge of mortgage lending products, investor guidelines, and underwriting requirements, including FNMA, portfolio, jumbo, and home equity lending.
• Strong understanding of mortgage documentation requirements from application through closing.
• Exceptional attention to detail and ability to identify discrepancies, missing documentation, and compliance concerns.
• Strong analytical, organizational, and…