Associates degree or equivalent work experience required.
5+ years of comprehensive mortgage lending experience needed.
Expertise in TRID disclosures and compliance is essential.
Deep understanding of regulatory and investor guidelines required.
Proven track record of independently managing a full loan pipeline without supervision.
Experience working in a credit union or similar regulated environment beneficial.
Familiarity with Encompass, MeridianLink, Symitar, and quality control processes preferred.
Responsibilities
Own and manage loan files from application to funding.
Drive closing process while adhering to service level agreements.
Maintain accuracy and completeness of loan files throughout the lifecycle.
Prepare and issue all necessary TRID disclosures accurately and timely.
Analyze change of circumstance events for compliance.
Review documentation for compliance with underwriting guidelines.
Coordinate closing packages and perform final fund approval.
Benefits
Health, dental, and vision insurance offered.
Retirement savings plan with company matching contributions.
Professional development and training opportunities available.
Generous paid time off, including holidays and sick leave.
Collaborative work environment that emphasizes teamwork and community.
Full Job Description
Position Summary The Loan Fulfillment Analyst is responsible for end-to-end execution of residential mortgage and home equity loans, from initial disclosure through funding and post-closing quality control. This role operates with a high degree of autonomy and is accountable for regulatory compliance, disclosure accuracy, and overall loan accuracy and integrity. This position is not task-based processing. The Analyst independently manages the full loan lifecycle, including TRID disclosures, change of circumstance analysis, document preparation, and funding authorization, ensuring each loan meets investor, regulatory, and Credit Union standards prior to closing. Essential Duties and Responsibilities End-to-End Loan Execution
Own and manage loan files from application through funding, including processing, disclosure, closing preparation, and funding.
Independently drive loans to closing while meeting service level expectations and deadlines.
Maintain full accountability for file completeness, accuracy, and readiness at all stages.
TRID Disclosure & Compliance Ownership
Prepare and issue Loan Estimates (LE), Closing Disclosures (CD), and all required redisclosures
Analyze and document valid Change of Circumstance (COC) events in compliance with regulatory requirements
Ensure adherence to TRID timing, tolerance thresholds, and disclosure accuracy
Proactively identify and resolve compliance risks prior to closing
Loan Structuring & File Quality
Review income, assets, credit, and collateral documentation for accuracy and guideline alignment
Calculate and validate income (including complex tax returns) and asset documentation
Interpret and validate Desktop Originator (DO) findings and ensure alignment with file documentation
Anticipate underwriting requirements and submit clean, decision-ready files
Closing & Funding Authority
Prepare and review closing packages for accuracy and completeness
Coordinate with title, escrow, and third parties to ensure timely closing
Perform final file review and approve funding readiness
Execute funding and serve as the final operational checkpoint prior to disbursement
Pipeline & Stakeholder Management
Serve as the central point of coordination for members, Home Loan Advisors, underwriters, and third parties
Actively manage pipeline to meet turn times, closing deadlines, and member experience expectations
Communicate proactively on file status, risks, and required actions
Regulatory, Quality Control & Servicing Support
Ensure accurate HMDA data collection and reporting
Respond to and resolve quality control findings and post-closing issues
Perform file audits related to funding and compliance
Support servicing-related activities for existing loans as needed
Maintain working knowledge of investor, agency, and internal guidelines
Compliance & Risk Accountability
Ensure compliance with all applicable federal and state regulations, including TRID, BSA, OFAC, and SAFE Act requirements
Exercise independent judgment to prevent defects, tolerance violations, and funding errors
Accountable for minimizing cure risk and audit findings
Core Values The Analyst is expected to consistently demonstrate the Credit Union's Core Values in all interactions and responsibilities:
Lead with Care - Demonstrates empathy, professionalism, and respect toward members and team members while acting with integrity and accountability.
Be Bold - Takes initiative, supports innovation, and embraces opportunities to improve service, operations, and results.
Cultivate Curiosity - Seeks knowledge, asks questions, and supports continuous learning for self and others.
Build Community - Fosters collaboration, teamwork, and strong relationships within the branch, across the Credit Union, and with the members we serve.
Education and Experience Requirements
Associates degree or equivalent combination of education and experience.
5+ years of mortgage lending experience with full-cycle exposure (processing through closing/funding) required.
Demonstrated experience with TRID disclosures, redisclosures, and Change of Circumstance analysis required.
Strong knowledge of investor guidelines and regulatory requirements required.
Proven ability to manage a full pipeline independently with minimal supervision required.
Experience in a credit union or regulated depository environment.
Experience with Encompass, MeridianLink, and/or Symitar.
Exposure to internal audit or quality control processes.
Knowledge of mortgage loan documents, servicing practices, and regulatory
Working Conditions and Physical Demands
Work is performed in a professional office environment requiring regular use of computers and standard office equipment.
Requires the ability to move throughout the branch to support operations and team members.
May occasionally work extended hours to ensure adequate branch coverage and completion of responsibilities.
May require periodic travel to other branch locations, meetings, or community engagements by car or public transportation.
Ability to site, stand, walk, bend, and lift up to 20 pounds.
