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Numerica Credit Union · 4 hours ago

Mortgage Operations Specialist

Spokane Valley, WA

Full-time

Onsite

Entry Level

$21.97/hr - $32.96/hr

1+ years exp

Numerica Credit Union is dedicated to enhancing lives and building communities. The Mortgage Operations Specialist is responsible for managing the ordering of third-party services and ensuring compliance with federal and state regulations in the mortgage loan process.

BankingCreditFinancial Services

Growth Opportunities

Responsibilities

Order appraisals, title, flood certifications, credit supplements, verifications of employment (VOE), IRS transcripts, and other required third-party documents

Track outstanding orders and follow up with vendors to ensure timely completion

Maintain accurate documentation of all orders within the loan origination system (LOS)

Prepare, review, and deliver initial and re-disclosures to applicants in accordance with TRID/RESPA and other compliance requirements

Ensure accurate fees, loan terms, and timelines are reflected in all disclosures

Monitor change-of-circumstance events and issue required redisclosures promptly

Track borrower receipt and acknowledgment of disclosures to maintain regulatory compliance

Review AUS findings (DU, LP, or other automated underwriting systems) to confirm product eligibility and accuracy

Log and track product selection decisions for compliance and audit purposes

Validate product selection and loan program alignment with FHA, VA, Conventional, and HFA guidelines

Ensure product choice is documented clearly for compliance and investor review

Prepare and issue Adverse Action Notices in compliance with ECOA and Fair Lending requirements

Ensure notices are delivered within required timeframes and accurately reflect credit and underwriting decisions

Support internal and external audits related to disclosures, AUS findings, adverse actions, and loan documentation

Maintain up-to-date knowledge of federal, state, and agency disclosure regulations

Work closely with Loan Officers, Processors, Underwriters, and Closers to ensure accurate and timely delivery of required documents

Communicate with borrowers and vendors as needed to resolve order, disclosure, or compliance-related issues

Provide support and training to processing teams on disclosure, AUS review, and compliance procedures when necessary

Maintains knowledge and adheres to all BSA regulations and compliance standards on internal and external policies

Qualification

Mortgage operations experienceTRID knowledgeRESPA knowledgeECOA knowledgeAUS systems knowledgeLoan Origination SystemsCustomer service orientationAttention to detailOrganizational skillsCommunication skillsProblem-solving ability