Home Lending Lead Compliance Analyst

About the role

Responsibilities

• Conduct independent pre-funding and post-closing Quality Control (QC) reviews on mortgage loan files (including Agency and Non-Agency) to ensure compliance with investor quality standards and federal/state regulations, actively identifying patterns to improve automated system logic.
• Own and manage the end-to-end licensing program for state company and branch licenses and individual Mortgage Loan Originator (MLO) licenses through the NMLS, taking full responsibility for timely renewals, Continuing Education (CE) and Pre-Licensing (PE) tracking, state reporting and acting as the primary compliance contact for licensing inquiries.
• Partner with the Head of Home Lending Compliance to drive state expansion efforts, researching state-specific origination guidelines, monitoring local regulatory changes and ensuring operational compliance readiness as we roll the product in new states.
• Review and approve home lending marketing materials, advertising, and social media content to ensure strict adherence to federal and state regulations, including TILA (Reg Z) and MAP (Reg N).
• Partner with the corporate Compliance Operations and Home Lending Operations teams to investigate and disposition consumer complaints, and assist in administering home lending-specific compliance training.
• Manage the preparation, quality assurance, and submission of the company's annual regulatory reporting, and support fair lending monitoring activities related to underwriting, pricing, and geographic distribution.
• Support the Head of Home Lending Compliance in preparing for and responding to, state and federal regulatory examinations and audits, and investor audits.
• Collaborate with the Head of Home Lending Compliance to draft, maintain, and modernize standard operating procedures (SOPs) and departmental policies, prioritizing efficiency and reduced manual toil.
• Act as a subject matter expert and compliance escalation point for the Home Lending Operations team, providing regular guidance and leading targeted compliance training sessions.

Requirements

• BA/BS degree
• 5+ years of direct experience in residential mortgage compliance including time in Quality Control (QC) or licensing.
• Experience independently utilizing the Nationwide Multistate Licensing System (NMLS).
• Willingness to obtain applicable registrations and/or licenses as necessary.