If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
Position Overview:
The Document Review Specialist provides post closing audit review of loan documentation within the real estate loan delivery process under supervision. In order to maintain strict compliance with federal, state and local regulatory lending guidelines and SECU lending policies, review is completed on all signed closing documentation, supporting documentation collected during loan processing and underwriting, and closing fee consolidation reports. You are responsible for managing loans from disbursal through loan boarding and final loan documentation storage.
Essential Responsibilities:
- (35%) Complete audit review of executed real estate closing packages and supporting loan documentation to verify regulatory compliance and SECU policies, ensuring fair and responsible lending as well as accurately secured lien-position and collateral. This includes TILA and RESPA (TRID/Regulation X and Z).
- (20%) Audit SECU closing fees and escrow related disbursements against the closing settlement disbursement summary and executed Closing Disclosure/HUD. Report any discrepancies discovered and verify with the appropriate closing agent where discrepancies should be refunded or expensed during loan booking. Re-disclose documentation as necessary in compliance with Truth-in-Lending regulatory guidelines.
- (20%) Account for trailing documentation and corrections, maintaining clear and concise record keeping of all executed real estate closing packages and outstanding correction items through consolidated department tracking databases. Record keeping will also include filing and organization of all physical documentation prior to permanent storage.
- (15%) Communicate with internal departments and external closing agents to resolve documentation discrepancies and submit any documentation in need of re-execution to the appropriate closing agent.
- (10 %) Field incoming inquiries regarding closing documentation and loan disbursements from members, internal departments, and closing agents.
Required Education & Experience (Knowledge, Skills, & Abilities):
- Required Education: Associates – Acceptable fields of study: Business, Mathematics, Accounting, Finance, or related fields. Additional three years of relevant experience can be considered in lieu of degree
- Minimum 2-5 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 gain 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)
- Ability to gain understanding of State Specific Regulatory Lending Guidelines including the Georgia Residential Mortgage Act and North Carolina General Statutes 41A-4 and 45A-5
- Ability to enter and interpret data with 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 and ability to scan, read, open, comment, and save PDF documents
- Ability to navigate phone queue software
Preferred Education & Experience (Knowledge, Skills, & Abilities):
- Preferred Education: Bachelors in Business, Economics, Mathematics, Scientific or related field of study
- 2 years prior banking experience including at least 1 year prior experience in a lending related role such as loan origination and/or underwriting (consumer or real estate), loan closing, loan post closing, or loan servicing
Job Environment & Physical Requirements:
- Hybrid expectations
- Filing for prolonged periods
- Sitting for prolonged periods
- Computer/Typing for prolonged periods
- Carrying, lifting, push/pull up to 20 lbs
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
- Associate degree in Business, Mathematics, Accounting, Finance, or related field (or additional three years relevant experience in lieu of degree)
- Minimum 2-5 years direct experience in real estate lending
- General understanding of Federal Regulatory Lending Guidelines including Regulation B (ECOA), Regulation Z (TILA), Regulation P (GLBA/CFPB), and UDAAP guidelines
- Ability to gain understanding of additional Federal and State lending regulations (e.g., Regulation C, Regulation X, Biggert-Waters, HFIAA, Regulation H, GA and NC state statutes)
- Ability to enter and interpret data with Mortgage Origination and Servicing Systems
- Proficiency with Microsoft suite, especially Access and Excel
- Familiarity with Adobe Acrobat and ability to scan, read, open, comment, and save PDF documents
- Ability to navigate phone queue software
- Preferred: Bachelor's degree in Business, Economics, Mathematics, Scientific or related field
- Preferred: 2 years prior banking experience including at least 1 year in a lending-related role (origination, underwriting, closing, post-closing, or servicing)
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.
