Home Lending Lead Compliance Analyst

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.

Expertise:

• Customer-focused, business-centric, and team-oriented mindset; relentlessly passionate about finding and completing valuable work.

• Deep, practical understanding of mortgage compliance regulations (RESPA, TILA, TRID, ECOA, HMDA, MAP) and GSE underwriting guidelines.

• Excelled organizational and analytical skills with a demonstrated ability to identify process gaps, interpret state-level legislation and implement creative, effective solutions in a fast-paced environment.

• Strong working knowledge of state-specific licensing, registration requirements, and the NMLS.

• Intellectually curious and interested in applying technology to enhance business processes; a systems builder who understands the "why" behind every regulatory step.

• Adept at independently conducting file reviews, analyzing reports, and managing competing priorities with minimal guidance.

• Excellent organizational and analytical skills, with a demonstrated ability to identify process gaps and implement creative, effective solutions in a fast-paced environment.

• Strong verbal and written communication skills, with the ability to translate complex regulatory requirements for operations and sales teams.

Required:

• 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.

Preferred:

• Prior experience supporting compliance programs in a fintech, digital-first lending, or highly automated mortgage environment.

• Familiarity with modern Loan Origination Systems (LOS).

• Experience collaborating with engineering/product teams to automate compliance controls and convey regulatory requirements.

• Active FHA Direct Endorsement (DE) underwriter designation.

• Experience writing business requirements or compliance rules for engineering teams to build into internal systems.