Mortgage Loan Compliance Analyst

Wings Credit Union • Apple Valley, CO

2d

About The Position

The Mortgage Loan Compliance Analyst supports strong, compliant, and effective mortgage lending practices through independent reviews of mortgage loan quality, regulatory compliance, and credit risk across the lending lifecycle. Working with Compliance leadership and Senior Mortgage Loan Compliance Analysts, the role reviews mortgage loan documentation, lending processes, reports, and systems for alignment with internal standards and applicable regulatory, governmental, investor, and secondary-market requirements.

The analyst researches changing compliance and credit requirements, identifies potential risks and process gaps, and helps turn findings into practical updates to policies, procedures, action plans, and training. The role also works with Mortgage Lending leaders, Compliance partners, vendors, supervisors, and training teams to understand recurring findings and develop process improvements. Responsibilities include mortgage quality and compliance reviews; research and process support; quality-control vendor oversight; delinquency quality control; and support for annual audits and recertification. The employee must also remain knowledgeable of and adhere to Wings policies, procedures, and applicable Bank Secrecy Act requirements.

Requirements

• Associate's degree in Finance, Business Administration, or a similar field is preferred.
• At least 3 years of first mortgage loan experience is required.
• At least 2 years of first mortgage loan auditing or quality assurance experience with mortgage lending systems is preferred.
• Strong analytical aptitude, including legal and regulatory research, documentation of findings, risk analysis, and policy development.
• Strong reading comprehension of technical and regulatory documentation.
• Working knowledge of first mortgage products, including conventional, FHA, VA, construction, land, portfolio, and investment properties.
• Knowledge of federal and state lending regulations, governmental and secondary-market guidelines, mortgage lending policies and procedures, and mortgage lending positions and functions.
• Initiative to meet or exceed job standards and willingness to take on tasks beyond regular duties.
• Organized, detail-oriented, flexible, and able to multitask in a dynamic environment.
• Self-motivated, with resource-management and problem-solving skills.
• Excellent written, oral, and interpersonal communication skills.
• Ability to work concurrently on multiple projects and independently with minimal direction.
• Ability to coach staff using clear and concise written or verbal communication and to give oral presentations to a group.
• Ability to hold information in strict confidence.
• Extensive knowledge of Microsoft Office, including Word, Excel, and Outlook.

Nice To Haves

• Experience in a credit union setting; 6 months or more is preferred.
• Associate's degree in Finance, Business Administration, or a similar field.
• At least 2 years of first mortgage loan auditing or quality assurance experience with mortgage lending systems.

Responsibilities

• Conduct independent mortgage loan reviews under applicable agency and investor guidelines, including pre-funding, closing, post-closing, servicing, and adverse-action reviews.
• Review activity across origination, processing, underwriting, closing, and servicing for alignment with investor, FHA, VA, and regulatory requirements.
• Identify and communicate potential compliance, credit, documentation, or process concerns to appropriate partners.
• Research mortgage compliance questions involving disclosures, rate-lock requirements, compliance engine findings, adverse actions, HMDA, and other lending requirements.
• Translate regulations and guidelines into practical guidance for business partners.
• Recommend policy and procedure updates based on regulatory changes, audit findings, and identified process gaps.
• Review lending processes and systems for compliance weaknesses and support corrective actions.
• Review HMDA reporting for quality, accuracy, and validity.
• Support oversight of third-party quality-control vendors, including reviewing contracts, policies, timeliness, accuracy, findings, service levels, and rebuttal activity.
• Compile and analyze quality-control findings to identify trends, recurring deficiencies, and potential training or process-development needs.
• Partner with Compliance leadership and business teams to help ensure vendors meet established expectations and service-level requirements.
• Support quality-control efforts for conventional, FHA, and VA loan products.
• Perform independent reviews of Collections activities and report identified deficiencies and their potential significance.
• Work with appropriate teams to identify and address recurring quality or compliance concerns.
• Collect and coordinate documentation for annual internal audits and recertification activities.
• Help maintain standards and documentation that support mortgage investor relationships and continued loan-origination authorization.
• Support Mortgage Lending and Compliance partners in identifying and addressing regulatory, credit, compliance, or operational risks.
• Adhere to Wings policies, procedures, and applicable Bank Secrecy Act requirements.

Benefits

• Generous 401(k) match
• Discretionary profit sharing
• Health insurance
• Dental insurance
• Vision insurance
• Life insurance
• Short-term and long-term disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid vacation, sick time, floating holidays, and volunteer time off
• Paid holidays
• Tuition reimbursement
• Paid parental leave
• 10% annual target bonus

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree