Document Review Manager

About the Role

The Document Review Manager establishes procedures and protocols to ensure strict compliance with federal, state, and local real estate regulatory lending guidelines, GSE (Freddie Mac) seller responsibilities, and SECU lending policies. This role develops and oversees internal department quality control measures, manages regulatory audits, and resolves escalated documentation discrepancies discovered during post-closing loan review. The manager coordinates workflow to ensure the SECU real estate portfolio is accurately secured, recorded, and maintained, while continuously improving department processes.

Responsibilities

• Interpret and adhere to fair lending laws, regulations, and guidance, including the Fair Housing Act, Home Mortgage Disclosure Act (Regulation C), Real Estate Settlement Procedures Act (Regulation X), Truth in Lending (Regulation Z), and GSE (Freddie Mac) seller responsibilities. Challenge analysis results and respond to queries from management, regulators, and auditors.
• Communicate with internal departments and external vendors to resolve severe documentation discrepancies for residential and construction loans. Field inquiries regarding closing documentation and loan disbursements from members, internal departments, and closing agents. Maintain detailed records of non-compliance with federal, state, and local regulations.
• Analyze and compile volume and metric reports. Manage high-level daily reporting, research and resolve discrepancies, and use reporting to determine peak operational times, establish staffing levels, and develop departmental protocols.
• Supervise and coordinate the maintenance of departmental guides and resources, updating information in compliance with new regulatory guidelines, SECU policies, or departmental procedures. Review and test new system releases and enhancements for the lending operating system and core system. Develop record-keeping systems and database enhancements.
• Define and evaluate data trends, identify root causes, and provide reporting on emerging risks to Compliance or other applicable departments to ensure the future scalability and quality control of the real estate loan portfolio.
• Hire, onboard, coach, and develop staff according to department operational needs. Maintain accurate employment records and job summaries aligned with current market trends and standards.

Requirements

• Minimum 5 years of experience in a real estate lending role, such as loan originations, underwriting, loan closing, post-closing, or loan servicing.
• Minimum 1 year of experience in a leadership or supervisory role.
• Expert understanding of Federal Regulatory Lending Guidelines, including Regulation B (ECOA), Regulation Z (TILA), Regulation P (GLBA and CFPB), and UDAAP guidelines.
• Expert understanding of additional Federal Regulatory Lending Guidelines, including Regulation C (HMDA), Regulation X (RESPA), the Biggert-Waters Act, HFIAA, and Regulation H (SAFE Act).
• Expert understanding of State-Specific Regulatory Lending Guidelines, including the Georgia Residential Mortgage Act and North Carolina General Statutes 41A-4 and 45A-5.
• Expert understanding of secondary market delivery and sale compliance.
• Proficiency in entering and interpreting data within Mortgage Origination and Servicing Systems.
• Proficiency in Microsoft Office Suite, particularly Access and Excel.
• Familiarity with Adobe Acrobat, including editing functions.
• Ability to navigate phone queue software.

Preferred Qualifications

• 4 years of tenure in Document Review, including 2 years as a Document Review Team Lead.
• Experience with secondary market lending.
• Experience with training material and staff development.
• Ability to create consolidated spreadsheets and reports in Microsoft Access and Excel.
• Preferred certifications (not specified).

Work Environment & Physical Requirements

• Hybrid work expectations.
• Prolonged periods of filing, sitting, and computer/typing work.