Compliance Manager

Evergreen Openings • Bellevue, WA

11d

About The Position

We're searching for some really great people who enjoy customers as much as we do. Named as one of Puget Sound Business Journal’s Best Places to Work three years running, 2021, 2022 and 2023. We are a certified Great Place to Work™ and were named a Best Workplace eight times, most recently in 2024 in the Financial Services and Insurance category. Check out our rating at: Working at Evergreen Home Loans | Great Place To Work® Wow happens every day at Evergreen. Our vision is centered on changing the world one relationship at a time. Learn more about us on our website here . Discover what’s possible with Evergreen. We're looking to add people who feel the same way we do about our customers, our associates, and the work we do. In return, you'll be part of a growing, contemporary company that rewards creative thinking and believes in helping you get to where you want to be. You'll also enjoy a comprehensive benefits package and an attractive 401K plan to help you grow along with us! The Compliance Manager oversees and manages the day-to-day operations of the Compliance Department at Evergreen Home Loans (EHL). This position supports and helps continuously develop EHL’s Compliance Management System and risk management polices to mitigate operational and compliance risk. This role ensures adherence to regulatory requirements and internal policies and procedures.

Requirements

• Bachelor’s Degree in business from an accredited university or related field or the equivalent in experience in mortgage lending compliance.
• 5-7 years’ experience in the mortgage and/or related industry with emphasis on regulatory
• 3-5 years’ direct management or supervision
• In-depth knowledge of federal and state regulations, including but not limited to TRID, ECOA, HMDA, RESPA and TILA.
• Working knowledge of NMLS and licensing requirements for company, branch, Mortgage Loan Originators, state, and city licenses.
• Exercise good judgment and strong character, motivated, hard working.
• Ability to work well with fellow associates, clients and vendors.
• Good communication skills.
• Neat, clean, healthy work habits.
• Requires all forms of dexterity and mobility throughout the shift, which may include extended periods of sitting and/or standing.
• Occasionally required to reach with hands and arms, twist, climb or balance, stoop, kneel crouch or crawl.
• Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral, depth perception and the ability to adjust focus.
• Must be able to speak and hear, lift and carry up to twenty-five pounds (25 lbs.) or occasionally more.
• Ability to work in a fast-paced, occasionally noisy environment.
• May be required to drive for business purposes and if so, must hold a driver’s license in good standing and maintain personal auto insurance in compliance with EHL’s Auto Insurance policy.

Responsibilities

• Manage all aspects of Compliance, Licensing, Marketing Compliance, Vendor Management and Disclosure Teams in achieving and completing projects related to company objectives as well as individual performance and development. This includes reviewing metrics to ensure proper staffing.
• Assist the VP of Compliance with administering a comprehensive compliance program including, but not limited to, the following consumer laws: Equal Credit Opportunity Act, Home Mortgage Disclosure Act, Gramm Leach Bliley Privacy, Real Estate Settlement Procedures Act, Truth in Lending Act, Flood Disaster Protection Act, Unfair Deceptive and Abusive Practices Act, Fair Credit Reporting and Fair Lending.
• Oversee Vendor Management and vendor due diligence.
• Develop and maintain policies and procedures that accurately reflect regulations in a manner clear to all associates that fosters a culture of compliance.
• Continually monitor and evaluate the adequacy and efficacy of policies and procedures and company adherence.
• Provide proactive guidance to company in identifying compliance risks.
• Direct and track the implementation of operational changes to maintain compliance with all applicable laws, rules and regulations, investor requirements and standard mortgage practices.
• Provide advance notification, which includes a summary of changes and the impacts to the business of all new regulatory requirements that go into effect.
• Provide compliance expertise and support for all new products, channels, and geographical areas.
• Actively participate in internal testing of changes to the proprietary system and technologies.
• Provide guidance on interpreting Mavent reports and clearing all necessary Warnings, Alerts and Fails prior to funding.
• Assist with coordination of state and other regulatory audits including exam preparation, response and follow-up.
• Responsible for accuracy of all required regulatory disclosures, including initial disclosure document sets. Creation of new forms and disclosures as applicable.
• Facilitate support for all associates on compliance-related questions and assistance on where to find necessary information on eConnections.
• Provide compliance support and materials to Evergreen’s Training Department related to Encompass (LOS).
• Oversee review of loan data for accuracy and ensuring timely filing of annual report as required by HMDA.
• Responsible for Fair Lending reporting to Executive management including regression, matched pair, and red-lining analysis.
• Ensure timely filing of all required annual state reports.
• Assist with consumer complaint resolutions and escalations.
• Review and respond to each marketing piece to ensure it is compliant with federal, state, local and company’s rules, regulations, and policies.
• Train compliance department staff on policies and procedures.
• Other duties as assigned.
• Perform all actions in accordance with the Mission, Vision, and Convictions of EHL.
• Manage the department to meet or exceed department productivity, production and/or financial metrics.
• Provide a “WOW” experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication, and/or in person.
• Set clear expectations for associates and support their personal and professional growth through one-on-one meetings held on a semi-monthly or more frequent basis and annual performance reviews with all direct reports.
• Address performance issues in a timely manner and document incidents.
• Anticipate staffing issues, plan for staffing changes in advance, and complete recruiting activities monthly for branches, or as needed for departments in order to hire high quality associates to fully staff the team.
• Host regular and timely communication with associates.
• Understand the responsibilities of production and operations and act as a liaison between functions to develop collaborative team relationships so that loans close on time, and as promised.
• Maintain basic knowledge of Evergreen’s HR, Onboarding, Payroll, and Accounting policies and systems and proactively consult applicable department when dealing with issues.
• Exude a positive attitude, mentor associates, set a good example (this includes appropriate dress and demeanor).
• Perform all actions in accordance with the policies and procedures of the company.
• Have knowledge about Evergreen’s mortgage processes and products in order to answer questions and support staff.

Benefits

• Eligible associates (and their families) have the option to enroll in medical, dental, and/or vision coverage of which both the associate and the company contribute towards expenses.
• Basic Life/AD&D insurance for eligible associates as well as a Short-term Disability benefit are provided by Evergreen.
• Additional Voluntary Life/AD&D, Long-term Disability benefits and Legal/ID protection plans paid for by the associate are also available.
• Associates are automatically enrolled in Evergreen’s 401(k) plan.
• Personal Time Off (PTO) of up to 13.34 hours may be earned monthly and associates may enjoy 9 paid holidays each year.
• Paid voluntary day of work, company matching on charitable donations and mortgage loan benefit.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level