Mortgage Specialist

Truity Credit Union; Bartlesville (OK); On-site; USD 42,000 - 62,000; Full time

Job summary

Truity Credit Union is seeking a detail-oriented mortgage loan document specialist to support processing, review, and verification of mortgage files. You will collaborate with the Mortgage Development team to ensure accurate documentation and timely closings, while maintaining compliance with regulatory requirements.

The role emphasizes data integrity, effective communication, and adherence to GAAP standards as part of daily operations and reporting.

Qualifications

• Knowledge of mortgage lending policies, standards and GSE guidelines.
• Ability to organize, prioritize, and communicate with members and teammates.
• Experience with documenting and calculating income types for portfolio lending.
• Familiarity with GAAP standards and GL reconciliation processes.

Responsibilities

• Enter, compile, review, and verify mortgage loan documentation.
• Coordinate with lenders, vendors and partners to ensure timely processing.
• Support preparation and submission of final loan documents for closing and funding.
• Perform quality control reviews to ensure accuracy and compliance.
• Assist with regulatory compliance and required reporting.

Skills

Mortgage Lending

Documentation

Regulatory knowledge

Communication

Data entry

Microsoft Office

Education

Education equivalent

Tools

AllRegs

Dark Matter Empower

Symitar

Synergy

FICS Mortgage Servicer

Microsoft Office

Job description

Our culture is not just a poster in the hallway; it is a guiding principle we live by each and every day, one we carry forward even as our work changes around us. Non-stop change is part of our path, and we meet it by simplifying, not just doing more.

That means this role is expected to accept and adopt High Tech, High Touch practices using artificial intelligence and other digital tools to simplify outdated, low-value work so technology handles the routine, freeing us to stay present for what only a person can do: building relationships, solving complex problems, and responding with genuine care. Digital tools don’t replace those relationships; they remove the barriers that get in their way.

Central to this commitment is our cross-functional employee team, known as our "Culture Crew," dedicated to fostering community through engaging activities, reinforcing our cultural values, and ensuring their continuous integration into our daily operations. We define our culture according to our cultural pillars of:

• Membership Centric
• People Focused
• One Team
• Personal Achievement

JOB SUMMARY

This position is responsible for entering, compiling, reviewing, and verifying documentation for mortgage loan files. The role works closely with a small Operations team as well as members of the Mortgage Development team to support the processing, and/or closing and funding of mortgage loan transactions. In addition to production-related responsibilities, this role is assigned various departmental duties that support overall operational efficiency and team objectives.

ESSENTIAL FUNCTIONS

May include any and/or all of the following:

• Actively listen to and respond to member inquiries, suggestions, requests, and concerns in a professional and timely manner.
• Support the Mortgage Development Department by ensuring effective communication and timely processing of mortgage files, including obtaining and tracking required updated information.
• Demonstrate knowledge of documenting and calculating basic income types to meet GSE guidelines and/or portfolio lending standards.
• Perform required quality control reviews on all loan documentation to ensure loans are accurate, compliant, and eligible for sale to applicable GSEs or placement in portfolio.
• Coordinate with relevant third-party vendors and partners to ensure timely communication and efficient document processing.
• Assist Market Team Leads and Senior Mortgage Specialists with the preparation, review, and submission of final loan documents in accordance with regulatory requirements to successfully close mortgage loan transactions and maintain compliance.
• Research regulatory requirements and organize appropriate documentation, performing verifications as needed using AllRegs.
• Assist in the review and reconciliation of necessary GLs and other reports to maintain relevant GAAP standards.
• Complete monthly reports such as relocation billing reports, HELOC reports; research discrepancies and make necessary corrections.
• Ensure strict adherence to document retention and records management policies.
• Complete all required training and compliance courses within established timelines.
• Perform additional duties and responsibilities as assigned to support departmental and organizational objectives.

KNOWLEDGE, SKILLS, ABILITIES AND PERSONAL CHARACTERISTICS

• Knowledge of:
  • • Mortgage Lending functions including policies, practices, and standards
    • Modern office equipment
    • Credit Union operations, procedures, products, services, philosophies, practices, and systems
    • Technology and various software programs including Dark Matter Empower, Symitar, Microsoft Suite Products, Synergy, and FICS Mortgage Servicer.
• Ability to:
  • • Read and interpret a variety of instructions furnished in written, oral, diagram, and schedule form
    • Organize and prioritize in order to meet deadlines
    • Write reports and correspondence and to speak effectively before members and employees.
    • Cross sell for the benefit of the member
    • Educate effectively on processes
    • Overcome objections
    • Solve practical problems and deal with variablesin situations
    • Self direct with the initiative and drive necessary to activate a project from conception through completion
• Skill in:
  • • Interpersonal and human relations
    • Making effective and timely decisions
    • Typing and personal computer

QUALIFICATIONS
Training and Testing:

Pursue opportunities for professional growth and development through training, education and self-study

Successfully complete all applicable compliance training and testing

Education and experience are equivalent to:

Any combination of education, training and experience which provides the required knowledge, skills and abilities to perform the essential functions of the job required.

REQUIREMENTS

Regular attendance and timeliness are essential functions of this position. While performing this job, the employee is regularly required to sit or stand for a significant period of time and perform functions that require manual dexterity. The employee must occasionally reach above or below normal body position, stoop or bend, and carry, lift or move objects weighing up to 25 pounds. A normal range of hearing, vision, and speech are required to effectively work with co-employees and members.

REGULATORY COMPLIANCE & CONFIDENTIALITY

Follows regulatory and policy compliance requirements, which include those efforts in compliance with Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC) and Anti-Money Laundering (AML) Regulations, Identity Theft Red Flags and other compliance related Policies. This position also requires maintaining confidentiality with regard to non-public information about our members and the Credit Union.

This job description should not be interpreted as all inclusive. It is intended to identify the duties, responsibilities and requirements of this job. Incumbents may be requested to perform job-related responsibilities and tasks other than those stated in this description. Any physical demand of essential function or requirement of this position will be evaluated as necessary should an incumbent/applicant be unable to perform the function or requirement due to a disability as defined by the Americans with Disabilities Act (ADA). Reasonable accommodation for the specific disability will be made for the incumbent/applicant when possible.

EEO:

Equal Opportunity Employer/Veterans/Disabled

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities.

If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited in the ability or unable to access or use this online application process and need an alternative method for applying, you may contact 918.336.7662 or [e-mail] for assistance. You may also contact us at that same number and email, if you would like to see a copy of our Affiantive Action Plan.