Credit Union:

Horizon Credit Union

Region:

Spokane, WA

Closing:

2/24/2026

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Job Description:

YOU ARE RESPONSIBLE FOR

 

Procedures

Responsible for final loan review and analysis of loan packages and documents to ensure compliance with policies and procedures prior to being submitted for funding. 

  • Conducts the final review, for purposes of drawing the legal documents. Issues such as legal descriptions, impounds, taxes, title, etc. are of the utmost concern.
  • Recalculates the closing figures within the LOS for accuracy. In instances where closing figures are materially different than the original Loan Estimate, ensure compliance with re-disclosure requirements.
  • Works with the Settlement Agent to complete an accurate Closing Disclosure. Completes and provides final documents for the members to sign.
  • Compares all final, signed documents to the system information and loan file data. Verifies all documents are correct and signed and clears all funding/underwriting conditions.
  • Approves loan for funding, disburses the funds.
  • Identify issues that have arisen subsequent to the Underwriter’s review.
  • Determine that rate locks and investor approvals have not expired and are accurate.
  • Insures FHA and VA loans.
  • Run Fraud Guard on all files.
  • Packages and ships complete files to the applicable Investors FNMA/FHA/VA and follow up on any missing information they may require.
  • Tracks and follows up on all trailing documents, providing to investors when received.

Member Service & Team Focus

Responsible for regular communication with members and team for status updates throughout the closing process.

  • Liaison between members and servicing.
  • Works with our servicing company, providing any documentation required for original escrow setup, missing documentation and final Notes and Deeds of Trust for payoff.
  • Review and explain conditions to Processors when needed.
  • Identify and inform the Mortgage Operations Manager of potential or newly identified risk trends or factors.

SUCCESS LOOKS LIKE

Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of “Guiding members in the direction of their dreams”.

  • Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm
  • Collaborates: Builds partnerships and works collaboratively with others to meet shared objectives. Readily takes action on challenges, without unnecessary planning
  • Instills Trust: Gains the confidence and trust of others through honesty, integrity, and authenticity
  • Communicates Effectively: Develops and delivers communications that convey a clear understanding of the unique needs of different audiences
  • Member Focused: Builds strong member relationships and delivers member-centric solutions, both internally and externally
  • Self-Development Focused: Actively seeks new ways to grow and be challenged using both formal and informal development

 

COMPENSATION

At Horizon Credit Union, we believe in attracting and retaining talented team members who embody our CORE Values of Capability, Optimism, Responsibility and Empathy. Our pay values are reflected in our compensation philosophy which rewards individual performance and the potential to contribute to our teams’ overall success long-term.

 

The full pay range for this position across all the states in which we hire is $25.82-$36.15. The figures shown represent the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education, and skill level.

 

Benefits, Perks, and Other Good Stuff

We know there’s more to life than just a job. Our benefits are designed to help support our employees and their well-being. Take a look at what we have to offer:

  • Medical, Dental, & Vision Insurance for full-time and reduced full-time employees & their families
  • Telemedicine for part-time employees
  • Paid Group Life and Disability Insurance
  • Employee Assistance Program
  • Tuition Reimbursement Program
  • 401K Retirement Savings
  • Employer 401K Retirement Contributions & Matching upon eligibility
  • Discretionary Annual Incentive Bonus based on eligibility criteria
  • Paid Time Off per Full Calendar Year:

10 hours of PTO per month (prorated for reduced full-time and part-time)

Paid Birthday Holiday

2 Paid Wellness Days

Up to 24 hours of Paid Volunteer Time annually

11 Paid Holidays

  •  And More!

EXPERTISE YOU NEED

 

Education & Experience

Minimum of two years of real estate mortgage experience in Quality Control, Processing and/or Real Estate closing positions or equivalent combination of education and experience. Related work experience may substitute for education.

 

Capabilities

To perform this job successfully, an individual must be well organized, have an affinity for service and be able to perform each essential duty satisfactorily

Must have knowledge and understanding of Conforming, Non-confirming, and Government 1st Trust Deed Loan products as well as maintain current knowledge for regulatory and investor compliance.

Strong organizational skills and detail oriented

High level of technology and experience in loan origination systems, automated underwriting engines and Microsoft Office products

Ability to operate general office machines and equipment such as: Personal computer, loan system, keyboard/typewriters, photocopier, fax machine, postage machine, microfilmer, Nautilus and printers