Compliance & QC Analyst II

Palm Harbor Homes•Plano, TX

8h•Onsite

About The Position

CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Compliance & QC Analyst II to help grow our Compliance Department. This in-person role is in our Plano, TX office. The Compliance & QC Analyst II is responsible for monitoring, reviewing, and supporting compliance with federal, state, and investor regulations that govern the company’s operations. This role requires strong analytical skills, attention to detail, and the ability to identify, research, and resolve compliance and quality control issues. The Compliance & QC Analyst II serves as a subject matter resource to internal teams, supports audits and quality control reviews to assist with the development and implementation of compliance programs, policies, and training.

Requirements

In depth knowledge of NMLS registration and state licensing registration requirements
Strong research skills and knowledgeable of state lending/licensing laws using online research tools
Ability to read and interpret rules published by compliance regulators
Excellent written, verbal, and organizational skills, with the ability to multi-task
Self-motivated with ability to work independently
Strong research and critical thinking skills
Understanding of maintaining the confidentiality of non-public information needed to perform duties
BA/BS degree required in Business, Accounting, Finance or Management
14+ months of Manufactured Housing Compliance Analyst experience OR 3+ years of banking or financial services experience
Strong understanding of Microsoft Office Suite
Knowledge of HMDA and data requirements

Nice To Haves

Knowledge of FHA and Conventional loan types a plus

Responsibilities

Review and complete loan files for state examinations
Prepare and answer audit questionnaires from state examiners
Manage duties in NMLS requiring knowledge of the Secure and Fair Enforcement for Mortgage Licensing Act
Manage the Company NMLS license for each state and submit for renewal
Calculate correct amount needed for Company bonds working with broker to manage renewal for both the Company and its loan officers
Prepare, review and submit quarterly NMLS Mortgage Call Reports
Prepare and review state annual reports for accuracy by collecting, analyzing and summarizing information for submissions
Prepare, review for accuracy, and submit monthly Mortgage Insurance Loan Activity Reports (MILAR)
Complete and validate all reconciliation of MERS data and other data integrity processes monthly
Complete the annual MERS audit, manage MERS compliance and keep MERS policies current
Clear and maintain all OFAC alerts, prepare condition notice for the employees
Proficient in the preparation, rules and requirements for HMDA reporting and accurate submission
Complete AML reconciliation, reporting, update training, complete the annual audit and file a SAR, if required
Proficient and knowledgeable about the initial disclosures for each loan product and state requirements
TRID expert, answer questions, approving disclosures related to rules and requirements
RESPA and TILA subject matter expert, develop training material and fielding questions from employees
Assist in developing, reviewing and implementing policy and procedure changes
Work with departments to understand processes, reporting requirements and audit responsibilities
Conduct routine quality control reviews of chattel & Land Home loan servicing
Verify documentation and correspondence are compliant with servicing policies and regulatory guidelines
Able to establish testing and sampling procedures to ensure consistency and accuracy
Perform audits of loan servicing, including bankruptcy, delinquencies, escrow management, loan modifications
Perform audits for chattel servicing to verify accuracy, consistency, and error detection
Create and maintain documents to perform audits including checklists, reports, scorecards, trackers, etc.
Provide recommendations to improve processes and procedures enhancing efficiency, accuracy, and compliance
Report QC findings to senior staff and assist in investigations of defects and corrective actions
Assist in the development and execution of testing protocols and quality plans
Deliver quality control results, provide feedback and work with supervisors on needed improvements
Support internal and external audits and quality reporting activities
Able to analyze quality metrics to identify trends or defects and report findings to senior management
Research processes and write procedures based on position and regulatory details
Perform administrative, database administration and preparation of reports as required
Perform other related duties as required and assigned