Home Loan Review Specialist

Position Home Loan Review Specialist Job Code-8716 req5847 Delta Community Credit Union Administrative Office - Riverwood 200 Full Time

Job Description Create your success story at Delta Community Credit Union – where opportunity meets purpose. Through our commitment to excellence, Delta Community has received numerous industry awards and earned the trust and loyalty of our employees, members and the metro Atlanta community. We value talent, encourage growth and keep community at the heart of everything we do. That’s why we’re one of Atlanta’s Best Places to Work! Whether you’re starting your professional journey or navigating the next step in your career, we invite you to join the Delta Community Credit Union team.

The Home Loan Review Specialist serves as an independent quality control resource within the mortgage origination process. This position is responsible for reviewing mortgage loan applications and supporting documentation prior to assignment to a Loan Processor to ensure files are complete, accurate, compliant, and meet established submission standards. The specialist acts as a neutral third-party reviewer between Loan Officers and Loan Processors, helping improve file quality, reduce processing delays, and enhance overall operational efficiency.

This position reviews first and second mortgage loans intended for sale to investors through the secondary market, as well as loans retained in portfolio.

Practices safety-conscious behaviors in all operational processes and procedures.

Essential Functions

• Perform comprehensive pre-processing reviews of first and second mortgage loan files to verify completeness, accuracy, and readiness for processing.
• Validate that all required documentation has been obtained and properly uploaded, including income, asset, credit, collateral, disclosure, and compliance documentation.
• Review loan applications and system data for consistency and identify missing, inaccurate, or conflicting information.
• Confirm files meet established underwriting submission standards, investor guidelines, and internal lending requirements prior to processor assignment.
• Identify documentation deficiencies and communicate required corrections or outstanding items to Loan Officers in a timely and professional manner.
• Serve as a neutral quality control resource between Loan Officers and Loan Processors to promote accountability and consistency throughout the mortgage origination process.
• Monitor and track file quality trends and recurring deficiencies, providing feedback to management regarding process improvement opportunities.
• Ensure compliance with applicable federal and state mortgage regulations and internal policies.
• Utilize mortgage origination systems, automated underwriting systems, and workflow tools to document reviews and maintain accurate records.
• Meet established productivity, quality, and turnaround time standards.
• Assist with special projects, process improvement initiatives, and training efforts as assigned.

Other

• This description reflects management’s assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.
• This job description is subject to change at any time.

Position may offer work from home opportunities, pending specific performance and departmental needs.

Job Qualifications Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future.

Required Minimum Qualifications

• High School diploma or equivalent.
• 3+ years experience in mortgage lending, loan processing, underwriting, quality control, loan origination, or a related mortgage operations role.
• Thorough knowledge of federal mortgage regulations including, but not limited to, TRID, RESPA, HMDA, ECOA, FCRA, FDPA, and Regulation Z.
• Extensive knowledge of mortgage lending products, investor guidelines, and underwriting requirements, including FNMA, portfolio, jumbo, and home equity lending.
• Strong understanding of mortgage documentation requirements from application through closing.
• Exceptional attention to detail and ability to identify discrepancies, missing documentation, and compliance concerns.
• Strong analytical, organizational, and problem-solving skills.
• Ability to work effectively and independently in a fast-paced environment while managing multiple priorities.
• Excellent verbal and written communication skills with the ability to work collaboratively across departments.
• Proficiency with mortgage loan origination systems, automated underwriting systems, Microsoft Word, Excel, and Outlook.
• Ability to maintain confidentiality and exercise sound judgment.
• Complies with all Credit Union policies and procedures, including those related to Bank Secrecy Act regulations.

SAFE Act Requirements As an individual Home Loan Review Specialist, you must demonstrate financial responsibility, character, and general fitness such as to warrant the determination that you will operate honestly, fairly, and efficiently. The position must comply with all applicable SAFE Act registration requirements if determined to be a covered role.

A review of your credit report will be used to determine your level of financial responsibility, measured using the same standards as all Credit Union employees at new hire, with the exception of consideration of multiple bankruptcies, as required under TILA §1026.36(f). Relevant factors may include current outstanding judgments, tax liens, government liens, nonpayment of child support, bankruptcies, foreclosures, or a pattern of delinquencies. Medical debt and credit score will not be considered.

A review of your criminal background through the NMLS and other available sources will be used to determine character and general fitness. Consideration will be given to acts involving dishonesty, unfairness, breaches of trust, disciplinary actions by regulatory agencies, and applicable SAFE Act prohibitions regarding felony convictions.

Preferred Qualifications

• Bachelor's degree in business, finance, or a related field.
• Experience in mortgage quality control, underwriting, or pre-funding review.
• Knowledge of secondary market investor requirements and agency guidelines.
• Experience with Encompass or similar mortgage loan origination systems.
• Lean, Six Sigma, or process improvement experience.

Employee benefits include: •Medical, Dental and Vision Coverage •Basic Life and Accidental Death & Dismemberment Insurance, Long Term Disability, Employee Assistance Program and MyAdvocate •Supplemental Insurance or Voluntary Insurance •401(k) Plan with Company Match •Vacation, Holidays and Personal Time Off •Paid Maternity and Paternity Leave •Pre-tax Health and Dependent Care Spending Accounts •Benefit Choice Program •Health Reward Dollars •Discount on Gym Reimbursement and Identity Theft Programs •Legal Services