Post Closing Specialist

State Employees' Credit Union • Wake Forest, NC

1d • Hybrid

About The Position

The Post Closing Specialist reviews real estate loan closing packages and supporting documentation under supervision, ensuring compliance with federal, state, and local regulatory lending guidelines and SECU lending policies. The role manages loans from disbursal through loan boarding and final storage of loan documentation, including reviewing signed closing documents, processing and underwriting support, and closing fee consolidation reports.

The position audits executed closing packages and related fees and escrow disbursements, tracks trailing documentation and corrections, coordinates with internal departments and external closing agents to resolve discrepancies, and responds to inquiries from members, departments, and closing agents. The work environment is hybrid and includes prolonged filing, sitting, and computer/typing, with occasional carrying, lifting, pushing, or pulling up to 20 pounds.

Requirements

• Associate degree in Business, Mathematics, Accounting, Finance, or a related field; an additional three years of relevant experience may be considered in lieu of a degree.
• Two to five years of direct experience in real estate lending.
• General understanding of federal regulatory lending guidelines, including Regulation B (ECOA), Regulation Z (TILA), Regulation P (GLBA and CFPB), and UDAAP guidelines.
• Ability to develop understanding of additional federal lending regulations, including Regulation C (HMDA), Regulation X (RESPA), the Biggert-Waters Act and HFIAA, and Regulation H (SAFE Act).
• Ability to develop understanding of state-specific lending regulations, including the Georgia Residential Mortgage Act and North Carolina General Statutes 41A-4 and 45A-5.
• 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.
• Able to perform prolonged filing, sitting, and computer/typing tasks, and carry, lift, push, or pull up to 20 pounds.

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, loan post-closing, or loan servicing.

Responsibilities

• Audit executed real estate closing packages and supporting loan documentation for regulatory and SECU policy compliance, including fair and responsible lending and accurate lien position and collateral; this includes 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, verify their handling with closing agents, and re-disclose documentation as necessary under Truth-in-Lending guidelines.
• Track trailing documentation and corrections, maintain records of executed closing packages and outstanding correction items in department tracking databases, and file and organize physical documentation before permanent storage.
• Communicate with internal departments and external closing agents to resolve documentation discrepancies and submit 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
• Career Level: Mid Level
• Education Level: Associate degree