Mortgage Construction and Post-Closing Specialist

Truliant Federal Credit Union; Winston-Salem, Northern (NC, KY); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

No-cost medical/dental/vision

Paid holidays and PTO

401(k) with match

Tuition reimbursement

Wellness programs

Job summary

Truliant Federal Credit Union is seeking a Mortgage Construction and Post-Closing Specialist in Winston-Salem, NC. You will manage construction-loan administration, from setup to conversion, and ensure accurate post-closing packages for investor delivery.

Collaborating with Mortgage, Servicing, Finance, and external partners, you will protect deadlines, resolve conditions, and maintain compliant records throughout the loan lifecycle.

Qualifications

• 5+ years of mortgage lending operations and/or quality control
• 5+ years of mortgage post-closing experience with multiple investors
• 5+ years with Encompass or similar LOS, MERS/eRegistry, eNotes, eVaults

Responsibilities

• Own construction-loan administration including project setup, inspections, draw calculations and conversions
• Review closed loan packages for accuracy, timing and compliance, coordinate delivery to investors
• Manage trailing documents, reconciliations, and pipeline follow-up across Mortgage, Servicing, Finance, vendors and investors

Skills

Mortgage origination

Real estate lending

Construction lending

Funding

Post-closing

Delivery to investors

Loan documentation

Audit review processes

Excel

Word

Written and verbal communication

Education

High school diploma or equivalent

NMLS licensing eligibility

Independent bonding compliance

Tools

Encompass

MERS/eRegistry

eNotes/eVaults

Job description

Mortgage Construction and Post-Closing Specialist# Careers## Mortgage Construction and Post-Closing SpecialistApply: Flex: Winston-Salem, NC: Full time: Posted Today: End Date: September 30, 2026 (6 days left to apply): R1478Truliant’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. **Day to day, you’ll:*** 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 escalate 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. **Ready to Apply?**If you have a passion for member service and would like to invest in a meaningful career with opportunity for growth, we encourage you to apply to Truliant!As a member of the Truliant family, you will enjoy the following full time benefits:* 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