Mortgage Operations Specialist

Numerica Credit Union•Spokane Valley, WA

6d•$22 - $33

About The Position

With the goal of enhancing lives, fulfilling dreams, and building communities this position is responsible for managing the timely and accurate ordering of third-party services (such as appraisals, title, credit, and verifications) and preparing, issuing, and tracking mortgage loan disclosures in compliance with federal, state, investor, and company guidelines. This role also prepares, and issues Adverse Action Notices in accordance with ECOA and Fair Lending requirements and reviews AUS findings to ensure accurate product selection and documentation for Conventional, VA, FHA, HFA (Bond) and portfolio loan programs. The position ensures loans are processed efficiently while maintaining strict adherence to TRID, RESPA, ECOA, and other regulatory requirements.

Requirements

High school diploma or equivalent required; associate or bachelor's degree preferred.
Minimum 1 year of mortgage operations experience, preferably in disclosures, AUS review, processing, or compliance.
Strong knowledge of TRID, RESPA, ECOA, and AUS systems (DU/LP).
Familiarity with FHA, VA, Conventional, and HFA program guidelines.
Proficiency in Loan Origination Systems (LOS) such as Encompass, MeridianLink, or similar platforms.
Strong attention to detail and organizational skills.
Ability to manage multiple priorities and deadlines in a fast-paced environment.
Excellent written and verbal communication skills.
Customer service–oriented with strong problem-solving ability.

Responsibilities

Order appraisals, title, flood certifications, credit supplements, verifications of employment (VOE), IRS transcripts, and other required third-party documents.
Track outstanding orders and follow up with vendors to ensure timely completion.
Maintain accurate documentation of all orders within the loan origination system (LOS).
Prepare, review, and deliver initial and re-disclosures to applicants in accordance with TRID/RESPA and other compliance requirements.
Ensure accurate fees, loan terms, and timelines are reflected in all disclosures.
Monitor change-of-circumstance events and issue required redisclosures promptly.
Track borrower receipt and acknowledgment of disclosures to maintain regulatory compliance.
Review AUS findings (DU, LP, or other automated underwriting systems) to confirm product eligibility and accuracy.
Log and track product selection decisions for compliance and audit purposes.
Validate product selection and loan program alignment with FHA, VA, Conventional, and HFA guidelines.
Ensure product choice is documented clearly for compliance and investor review.
Prepare and issue Adverse Action Notices in compliance with ECOA and Fair Lending requirements.
Ensure notices are delivered within required timeframes and accurately reflect credit and underwriting decisions.
Support internal and external audits related to disclosures, AUS findings, adverse actions, and loan documentation.
Maintain up-to-date knowledge of federal, state, and agency disclosure regulations.
Work closely with Loan Officers, Processors, Underwriters, and Closers to ensure accurate and timely delivery of required documents.
Communicate with borrowers and vendors as needed to resolve order, disclosure, or compliance-related issues.
Provide support and training to processing teams on disclosure, AUS review, and compliance procedures when necessary.
Maintains knowledge and adheres to all BSA regulations and compliance standards on internal and external policies.
Effectively incorporates concepts of CARES Principles in daily behaviors and interactions:? Connect – Create meaningful relationships Ask – Be intentionally curious Resolve – Actively seek solutions Elevate – Never stop improving Strengthen – Be the difference