Mortgage Specialist

Truity Credit Union•Bartlesville, OK

About The Position

The Mortgage Specialist enters, compiles, reviews, and verifies documentation for mortgage loan files. Working with a small Operations team and members of the Mortgage Development team, the role supports the processing, closing, and funding of mortgage loan transactions. It also handles departmental duties that contribute to operational efficiency and team objectives. The position emphasizes professional, timely responses to member inquiries and the use of high-tech, high-touch practices—including artificial intelligence and other digital tools—to simplify routine work while preserving relationship-building and personal support. The Mortgage Specialist is expected to complete required compliance and professional-development training, follow document-retention and records-management policies, and protect confidential member information. Additional job-related duties may be assigned.

Requirements

Education, training, and experience in any combination that provides the knowledge, skills, and abilities needed to perform the essential functions.
Knowledge of mortgage lending functions, including policies, practices, and standards.
Knowledge of modern office equipment.
Knowledge of credit union operations, procedures, products, services, philosophies, practices, and systems.
Familiarity with technology and software, including Dark Matter Empower, Symitar, Microsoft Suite products, Synergy, and FICS Mortgage Servicer.
Ability to read and interpret written, oral, diagrammatic, and scheduled instructions.
Ability to organize and prioritize work to meet deadlines.
Ability to write reports and correspondence and speak effectively with members and employees.
Ability to cross-sell for members' benefit and educate members effectively on processes.
Ability to overcome objections, solve practical problems, and handle variable situations.
Ability to self-direct and take initiative to carry a project from conception through completion.
Interpersonal and human-relations skills.
Ability to make effective and timely decisions.
Typing and personal-computer skills.
Regular attendance and punctuality.
Ability to sit or stand for significant periods and perform tasks requiring manual dexterity; occasionally reach above or below normal body position, stoop or bend, and carry, lift, or move objects weighing up to 25 pounds.
A normal range of hearing, vision, and speech to work effectively with coworkers and members.
Follow applicable regulatory and policy requirements, including BSA, OFAC, AML, Identity Theft Red Flags, and other compliance policies.
Maintain confidentiality of non-public member and Credit Union information.

Responsibilities

Listen to and respond to member inquiries, suggestions, requests, and concerns professionally and promptly.
Support the Mortgage Development Department through effective communication and timely mortgage-file processing, including obtaining and tracking updated information.
Document and calculate basic income types to meet GSE guidelines and portfolio lending standards.
Conduct quality-control reviews of loan documentation to ensure accuracy, compliance, and eligibility for sale to applicable GSEs or placement in the portfolio.
Coordinate with third-party vendors and partners to support timely communication and efficient document processing.
Assist Market Team Leads and Senior Mortgage Specialists with preparing, reviewing, and submitting final loan documents in accordance with regulatory requirements.
Complete transactions supporting Mortgage Operations and Mortgage Development, including invoice payments, check processing through Symitar, general-ledger transfers, wire transactions, and member draw processing.
Research regulatory requirements and organize documentation, performing verifications as needed using AllRegs.
Assist with reviewing and reconciling general ledgers and other reports to maintain relevant GAAP standards.
Prepare monthly reports, including relocation billing and HELOC reports; research discrepancies and make corrections.
Follow document-retention and records-management policies.
Complete required training and compliance courses within established timelines.
Perform additional duties and responsibilities as assigned to support departmental and organizational objectives.