Home Loan Process Specialist

GESA CREDIT UNION•Richland, WA

12d•$20 - $33

About The Position

The Home Loan Process Specialist is responsible for managing the closing and post-closing stages of residential mortgage loans. This role ensures all loan documents are accurate, compliant, and completed within regulatory timelines, coordinating with all stakeholders to facilitate smooth loan funding and delivery. The Home Loan Process Specialist also handles post-closing activities, including loan package review, document submission, and investor compliance.

Requirements

Exceptional attention to detail and ability to identify and correct discrepancies.
Strong written and verbal communication skills to collaborate effectively with borrowers, vendors, and internal teams.
Excellent organizational and time management skills, with the ability to prioritize competing demands.
Adaptability in a fast-paced, deadline-driven environment.
Proficiency in loan origination systems, investor portals, and standard Microsoft Office tools.
High school diploma or equivalent completion of specialized course of study, training, and experience.
Minimum of one (1) year of experience in mortgage closing, post-closing, or processing.
Some travel is required to achieve training and business objectives.
Valid Driver’s License is required.

Nice To Haves

Familiarity with FNMA, FHA, VA, and USDA guidelines is highly desirable.
Experience with Automated Underwriting System (AUS) and other lending-specific software desired.
Proficient with standard Microsoft Office Suite.

Responsibilities

Maintain thorough knowledge of mortgage products, regulatory requirements, and investor guidelines.
Prioritize daily tasks to meet deadlines and lock expirations.
Identify opportunities to streamline processes and reduce inefficiencies.
Support internal audits and external regulatory reviews by providing requested documentation.
Maintain accurate records of all loan activities in the Loan Origination System (LOS).
Attend training sessions and team meetings to stay updated on industry changes and organizational policies.
Prepare and deliver accurate closing documents to borrowers and escrow agents, ensuring compliance with regulatory requirements.
Coordinate loan closings with escrow, verifying all conditions have been satisfied before closing.
Disburse loans by reviewing signed closing documents for accuracy and completeness.
Communicate proactively with borrowers, escrow agents, and Loan Officers to address any issues prior to funding.
Ensure timely and accurate recording of loan documents with county agencies.
Review final loan packages for accuracy and ensure all required documents are complete.
Manage the submission of loan files to investors, ensuring compliance with investor requirements.
Monitor trailing documents, such as recorded deeds of trust and final title policies and follow up with vendors as needed.
Issue Post-Closing Compliance Documents (PCCDs) within regulatory timelines.
Track and resolve discrepancies or deficiencies in post-closing files to avoid investor penalties.