Post Closing Specialist

SECU

2d • Hybrid

About The Position

The Post Closing Specialist performs post-closing audits of real estate loan documentation under supervision. The role reviews signed closing documents, supporting materials collected during loan processing and underwriting, and closing-fee consolidation reports to support compliance with federal, state, and local lending requirements and SECU policies. The specialist manages loans from disbursement through loan boarding and final storage of loan documentation.

The position also tracks trailing documentation and corrections, addresses discrepancies with internal departments and external closing agents, and fields inquiries about closing documentation and loan disbursements. The work environment has hybrid expectations and includes prolonged filing, sitting, and computer or typing activities, as well as 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 lending regulations, 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 lending requirements, 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.

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 documents for regulatory and SECU policy compliance, fair and responsible lending, and accurate lien position and collateral, including TILA and RESPA (TRID/Regulation X and Z).
• Audit closing fees and escrow-related disbursements against settlement summaries and executed Closing Disclosures or HUD forms; report discrepancies, verify their treatment with closing agents, and re-disclose documentation as needed under Truth-in-Lending requirements.
• Track trailing documentation and corrections using department databases; maintain records of executed closing packages and outstanding corrections, and file and organize physical documents 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 about closing documentation and loan disbursements.
• Manage loans from disbursement through loan boarding and final loan-document storage.

What This Job Offers

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