Mortgage Construction and Post-Closing Specialist

001 Truliant Federal Credit Union; Williamsburg Square (NC); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

401(k) with employer matching

Paid holidays and PTO

Tuition reimbursement

Teammate loan discounts

Health & Wellness program

Job summary

Truliant Federal Credit Union is seeking a Mortgage Construction and Post-Closing Specialist to oversee construction draws, loan conversions, and final documentation with accuracy and timeliness. You will work with members, builders, Mortgage Loan Officers, closers, servicing teams, investors, and document custodians to keep projects moving, review packages for compliance, and resolve conditions.

This role requires strong mortgage-operations knowledge, attention to detail, and the ability to

Qualifications

• 5+ years in mortgage lending operations or quality control.
• 5+ years of mortgage post-closing experience with delivery to multiple investors.
• Experience with Encompass, MERS/eRegistry, eNotes, and eVaults.

Responsibilities

• Own construction-loan administration, including project setup, inspections, title updates, draw calculations, approvals, borrower and builder communication, maturity tracking, and construction-to-permanent conversion documentation.
• Review closed loan packages for accuracy, execution, disclosure timing, compliance, and investor eligibility, then coordinate shipping, delivery, suspense clearing, mortgage insurance, MERS or eNote requirements, and timely loan purchase.
• Manage trailing documents, reconciliations, member communications, audit support, and pipeline follow-up while partnering across Mortgage, Servicing, Finance, vendors, and investors to resolve issues and protect deadlines.

Skills

Mortgage operations

Post-closing delivery

Encompass / MERS / eNotes

Regulatory compliance

Documentation review

Draw calculations

Excel / Word

Cross-team collaboration

Education

High school diploma or equivalent

Bachelor’s degree in Business or Finance

NMLS licensing

Tools

Encompass

MERS / eRegistry

eNotes

eVaults

Microsoft Excel

Microsoft Word

Job description

Truliant’s mission is to improve lives by putting our members first, providing great service and straightforward financial solutions. Our core values of Member Focus, Service, Guidance, Relationships, and Community define how we interact with members to fulfill our mission of improving lives and providing a foundation on which we conduct ourselves. Our Promise to Our Teammates: Truliant strives to provide all teammates with an enjoyable place to work where they feel valued, empowered and rewarded for all that they do.

Why this role matters

A well-managed mortgage loan can make an important financial milestone feel clear, dependable, and less stressful for a member. As a Mortgage Construction and Post-Closing Specialist, you will help protect the member experience and Truliant by keeping construction draws, loan conversions, closed-file reviews, investor delivery, and final documentation accurate and on schedule. If you enjoy bringing order to complex details, partnering across teams, and solving issues before they affect a member or loan sale, this role offers meaningful impact throughout the life of a mortgage loan.

What you’ll do

You will support residential mortgage loans through both the construction and post-closing phases. Working with members, builders, Mortgage Loan Officers, closers, servicing teams, closing agents, investors, and document custodians, you will keep projects and loan files moving while maintaining accurate records, meeting deadlines, and resolving outstanding conditions.

• Own construction-loan administration, including project setup, inspections, title updates, draw calculations, approvals, borrower and builder communication, maturity tracking, and construction-to-permanent conversion documentation.
• Review closed loan packages for accuracy, execution, disclosure timing, compliance, and investor eligibility, then coordinate shipping, delivery, suspense clearing, mortgage insurance, MERS or eNote requirements, and timely loan purchase.
• Manage trailing documents, reconciliations, member communications, audit support, and pipeline follow-up while partnering across Mortgage, Servicing, Finance, vendors, and investors to resolve issues and protect deadlines.

What you bring

You will succeed in this role if you combine deep mortgage-operations knowledge with careful review, consistent follow-through, and confident communication. You can manage multiple deadlines without losing accuracy and know when to research, resolve, or escalation an issue.

Required Experience

• 5+ years of related experience in mortgage lending operations and/or quality control.
• 5+ years of mortgage post-closing experience, including delivery to multiple investors.
• 5+ years of experience with Encompass or a similar loan origination system, MERS and MERS eRegistry, eNotes, and eVaults.

Required Skills

• Working knowledge of mortgage origination, real estate lending, construction lending, funding, post-closing, shipping, investor delivery, underwriting guidelines, loan documentation, and audit review processes.
• Ability to review loan packages and supporting documents for accuracy, completeness, proper execution, regulatory compliance, disclosure timing, and investor or custodian eligibility.
• Ability to calculate and reconcile draws, proceeds, purchase advice, first payments, premiums, fees, and related general-ledger activity, then research and resolve discrepancies.
• Ability to manage changing priorities, time-sensitive pipelines, trailing documents, lock expirations, and multiple partner requests with strong organization and follow-through.
• Clear written and verbal communication with members, builders, closing agents, investors, vendors, auditors, and internal partners, along with intermediate proficiency in Microsoft Excel and Word.

Education/Certifications

High school diploma or equivalent. NMLS number or the ability to meet the requirements to obtain one. Ability to meet credit union bonding requirements. You should also be comfortable working independently with minimal supervision, protecting confidential information, shifting priorities as business needs change, and escalating concerns with sound judgment and urgency.

What sets you apart

You don’t need to check every box, but here’s what will help you thrive in this role: Bachelor’s degree in Business or Finance, or equivalent mortgage experience. Hands‑on familiarity with Fannie Mae and Freddie Mac selling and delivery systems, investor platforms, mortgage insurance activation, government loan requirements, or document‑custodian processes. Experience supporting residential construction lending, construction draw administration, or construction-to-permanent loan conversions.

What you’ll get

We believe in supporting our team members both professionally and personally. In this role, you can expect: Purpose‑driven work that helps Truliant members move through construction and mortgage milestones with greater confidence and fewer surprises. Broad exposure across construction lending, post‑closing, investor delivery, servicing transfers, audit readiness, and secondary‑market requirements. Opportunities to deepen your mortgage expertise through cross‑training, process improvement, changing investor guidelines, and collaboration with experienced partners across the credit union. A member‑focused culture where accuracy, accountability, confidentiality, and responsive service are valued in every interaction. Competitive compensation and benefits, along with support for continued learning and professional growth.

• No-cost employee Medical, dental, vision coverage
• Prescription benefits (including mail order)
• Paid holidays and Paid Time Off (PTO)
• 401(k) plan with contribution matching
• Paid community involvement volunteers hours
• Paid group life Insurance
• Teammate loan discounts
• Tuition reimbursement
• Short and long-term disability
• Health & Wellness program
• Teledoc (physician video conferencing)
• Onsite fitness facilities or health club reimbursement
• Employee Assistance Program (EAP)
• Medical flexible spending account
• Dependent care flexible spending account

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us! Truliant’s mission is to improve lives by putting our members first, providing great service and straightforward financial solutions. Our teammates make that happen daily. Through their diverse perspectives and backgrounds, our teammates come together to craft the best experience for every member wherever they are on their financial journey. Truliant strives to provide all teammates with an enjoyable place to work where they feel valued, empowered and rewarded for all that they do.