If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
Position Overview:
The Document Review Manager is responsible for establishing procedures and protocols to ensure strict compliance with federal, state and local real estate regulatory lending guidelines, GSE (Freddie Mac) seller responsibilities, and SECU lending policies. You will develop and oversee internal department quality control measures as well as internal and external regulatory audits and will provide resolution to severely escalated documentation discrepancies discovered during post closing loan review. In order to ensure the full SECU real estate portfolio is accurately secured, recorded, and maintained and all originated real estate loans book to the servicing platforms in a timely manner, you will coordinate workflow and continuously evaluate and seek to improve work processes and procedures in the department.
Essential Responsibilities:
- (20 %) Interpret and adhere to fair lending laws, regulations, and guidance specifically related to Fair Housing Act, Home Mortgage Disclosure Act (Regulation C), Real Estate Settlement Procedures Act (Regulation X), Truth in Lending (Regulation Z), and GSE (Freddie Mac) seller responsibilities internally and externally. Challenge analysis results and respond to queries from management, regulators, and auditors.
- (20%) Communicate with internal departments and external vendors to resolve severe documentation discrepancies for residential and construction loans, and field incoming inquiries regarding closing documentation and loan disbursements from members, internal departments, and closing agents. Create and maintain detailed documentation records involving non-compliance with application federal, local, and state regulations.
- (20%) Analyze and Compile volume and metric reports. Manage high level daily reporting including researching and resolving discrepancies. Utilize reporting to determine peak operational times and establish proper staffing levels and departmental protocols.
- (15%) Supervise and coordinate the maintenance of departmental guides and resources, updating information in compliance with new federal, state, and local regulatory guidelines, updated SECU policies, or updated departmental procedures. Coordinate the review and testing of new releases and system enhancements to the lending operating system and core system as necessary. Develop record-keeping systems and database enhancements.
- (15%) Define and evaluate data trends, identify root cause(s), and provide information and reporting regarding emerging risks to Compliance and/or other applicable departments, ensuring future salability and quality control of real estate loan portfolio.
- (10%) Hire, onboard, coach, and develop staff in accordance with department operation needs. Maintain accurate employment records and job summaries in line with current market trends and standards.
Required Education & Experience (Knowledge, Skills, & Abilities):
- Minimum 5 year experience in a real estate lending role such as loan originations and/or underwriting, loan closing, post closing or loan servicing
- Experience must include minimum 1 year experience in a leadership or supervisory role
- Expert understanding of Federal Regulatory Lending Guidelines including Regulation B (ECOA), Regulation Z (TILA), Regulation P (GLBA and CFPB), and UDAAP guidelines
- Expert understanding of additional Federal Regulatory Lending Guidelines including but not limited to Regulation C (HMDA), Regulation X (RESPA), the Biggert-Waters Act and HFIAA, and Regulation H (SAFE Act)
- Expert understanding of State Specific Regulatory Lending Guidelines including the Georgia Residential Mortgage Act and North Carolina General Statutes 41A-4 and 45A-5
- Expert understanding of secondary market delivery and sale compliance
- Ability to enter and interpret data within Mortgage Origination and Servicing Systems
- Ability to enter and interpret data across the Microsoft suite of software, especially within Access and Excel
- Familiarity with Adobe Acrobat including Adobe editing functions
- Ability to navigate phone queue software
Preferred Education & Experience (Knowledge, Skills, & Abilities):
- 4 year tenure in Document Review including 2 years as a Document Review Team Lead
- Experience with secondary market lending
- Experience with training material and/or staff development
- Ability to create consolidated spreadsheets and reports within Microsoft Access and Excel Preferred certifications
Job Environment & Physical Requirements:
- Hybrid expectations
- Filing for prolonged periods
- Sitting for prolonged periods
- Computer/Typing for prolonged periods
- Sitting for prolonged periods
SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.
Skills Required
- Minimum 5 years experience in a real estate lending role (loan originations, underwriting, loan closing, post-closing, or loan servicing)
- Minimum 1 year experience in a leadership or supervisory role
- Expert understanding of Federal Regulatory Lending Guidelines (Regulation B ECOA, Regulation Z TILA, Regulation P GLBA/CFPB, UDAAP)
- Expert understanding of additional federal guidelines (Regulation C HMDA, Regulation X RESPA, Biggert-Waters Act, HFIAA, Regulation H SAFE Act)
- Expert understanding of state-specific regulatory lending guidelines (Georgia Residential Mortgage Act; North Carolina General Statutes 41A-4 and 45A-5)
- Expert understanding of secondary market delivery and sale compliance
- Ability to enter and interpret data within Mortgage Origination and Servicing Systems
- Ability to enter and interpret data across the Microsoft suite, especially Microsoft Access and Microsoft Excel
- Familiarity with Adobe Acrobat including Adobe editing functions
- Ability to navigate phone queue software
- Four year tenure in Document Review including 2 years as a Document Review Team Lead
- Experience with secondary market lending
- Experience with training material development and/or staff development
- Ability to create consolidated spreadsheets and reports within Microsoft Access and Excel
- Preferred certifications (not specified)
SECU Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about SECU and has not been reviewed or approved by SECU.
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Retirement Support — Immediate 100% vesting and a 200% employer match on employee 401(k) contributions from 1–5% of pay (up to a 10% employer match) stand out. This level of support is described as unusually rich among financial‑services employers.
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Leave & Time Off Breadth — 11 paid holidays plus 16 floating‑holiday hours, paid parental and caregiver leave, bereavement and volunteer time, and PTO that can reach 32 days per year with carryover up to 280 hours. These provisions provide predictable time off and flexibility across life events.
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Healthcare Strength — Medical (PPO or HDHP) with HSA/FSA options, dental including a minor‑child orthodontia option, and vision are available for employees and eligible dependents. Employer‑paid basic life/AD&D and short‑term disability, with subsidized long‑term disability, add robust income protection.
SECU Insights
What We Do
Even though we're North Carolina's largest credit union, we're still just "people helping people." We currently serve over 2.6 million members through more than 270 branch offices - and growing! Members have 24/7 access to account services from over 1,100 ATMs, as well as via phone, our website, and the SECU Mobile App. Since 1937, we've provided financial services to employees of the State of North Carolina, public boards of education, and employees of associations formed for the benefit of State employees, as well as their immediate family members. We are the trusted provider of financial services for millions of members. And, according to Forbes Magazine, we're the best credit union in North Carolina. State Employees' Credit Union (SECU) is an Equal Housing Opportunity lender and federally insured by NCUA. SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
