Document Review Specialist

SECU

1d • Hybrid

About The Position

The Document Review Specialist conducts post-closing audits of real estate loan documentation under supervision. The role supports compliance with federal, state, and local lending regulations and SECU lending policies by reviewing signed closing documents, supporting materials collected during processing and underwriting, and closing fee consolidation reports. The specialist manages loans from disbursal through loan boarding and final storage of loan documentation.

The position audits executed closing packages, verifies fees and escrow disbursements, tracks trailing documents and corrections, and works with internal departments and external closing agents to resolve discrepancies. It also responds to inquiries from members, internal departments, and closing agents about closing documentation and loan disbursements.

Requirements

• Associate degree in Business, Mathematics, Accounting, Finance, or a related field; three additional years of relevant experience may be considered in lieu of the degree.
• Two to five years of direct experience in real estate lending.
• General understanding of federal lending regulations, including Regulation B (ECOA), Regulation Z (TILA), Regulation P (GLBA and CFPB), and UDAAP guidelines.
• Ability to learn additional federal lending regulations, including Regulation C (HMDA), Regulation X (RESPA), the Biggert-Waters Act and HFIAA, and Regulation H (SAFE Act).
• Ability to enter and interpret data in mortgage origination and servicing systems.
• Ability to enter and interpret data using Microsoft software, especially Access and Excel.
• Familiarity with Adobe Acrobat and ability to scan, read, open, comment on, and save PDF documents.
• Ability to navigate phone queue software.
• Ability to learn and apply state-specific lending regulations, including the Georgia Residential Mortgage Act and North Carolina General Statutes 41A-4 and 45A-5.

Nice To Haves

• Bachelor’s degree in Business, Economics, Mathematics, a scientific field, or a related field.
• Two years of prior banking experience, including at least one year in a lending-related role such as loan origination, underwriting, loan closing, post-closing, or loan servicing.

Responsibilities

• Audit executed real estate closing packages and supporting loan documentation for regulatory compliance, SECU policy compliance, fair and responsible lending, and accurate lien position and collateral, including TILA and RESPA (TRID/Regulation X and Z).
• Audit SECU closing fees and escrow-related disbursements against settlement disbursement summaries and executed Closing Disclosures/HUDs; report discrepancies and verify with closing agents whether amounts should be refunded or expensed during loan booking; re-disclose documents as necessary under Truth-in-Lending guidelines.
• Track trailing documentation and corrections, maintain records of executed closing packages and outstanding correction items in department databases, and file and organize physical documentation before permanent storage.
• Communicate with internal departments and external closing agents to resolve documentation discrepancies and send documents requiring re-execution to the appropriate closing agent.
• Respond to inquiries from members, internal departments, and closing agents regarding closing documentation and loan disbursements.

What This Job Offers

• Job Type: Full-time
• Education Level: Associate degree