Senior Mortgage Loan Compliance Analyst

Wings Credit Union•Colorado Springs, CO

14h•$40 - $47

About The Position

The Senior Mortgage Loan Compliance Analyst provides independent oversight of mortgage loan quality, regulatory compliance, and credit risk across the lending lifecycle. Working closely with the Manager of Compliance and Quality Control, the analyst reviews lending processes, systems, reports, and loan documentation for alignment with internal standards and applicable regulatory, governmental, investor, and secondary-market requirements. The role identifies risks and process gaps and helps translate findings into improvements to policies, procedures, training, and technology. The analyst collaborates with Mortgage Lending leaders, Compliance partners, vendors, and training teams to assess trends, address recurring findings, and strengthen mortgage lending processes. The position also supports third-party vendor oversight, staff development, delinquency quality control, and annual audit and recertification activities. The role requires adherence to Wings policies, procedures, and applicable Bank Secrecy Act requirements.

Requirements

At least 4 years of first mortgage loan experience.
At least 2 years of first mortgage loan auditing or quality-assurance experience with mortgage lending systems.
Strong aptitude for detail and analytical work, including legal and regulatory research, documenting 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.
Extensive knowledge of federal and state lending regulations.
Extensive knowledge of governmental and secondary-market guidelines.
Knowledge of Wings mortgage lending policies and procedures.
Knowledge of mortgage lending positions and functions.
Organized, detail-oriented, flexible, and able to multitask in a dynamic environment.
Project management skills.
Supervisory and scheduling skills.
Resource management skills.
Problem-solving skills.
Excellent written and oral communication skills.
Excellent interpersonal skills.
Ability to work independently with very minimal direction.
Ability to train staff through clear and concise oral and written communication.
Ability to give oral presentations to a group.
Ability to hold information in strict confidence.
Extensive knowledge of Microsoft Office, including Word, Excel, and Outlook.
Adherence to Wings policies, procedures, and applicable Bank Secrecy Act requirements.

Nice To Haves

Bachelor's degree in Finance, Business Administration, or another relevant field of study.
At least 1 year of team leadership or management experience.
Experience in a credit union setting.
NAFCU Certified Compliance Officer (NCCO), ACU Certified Credit Union Compliance Officer (CUCO), or similar certification.

Responsibilities

Conduct independent mortgage loan reviews, including pre-funding, closing, post-closing, servicing, and adverse-action reviews, according to applicable agency and investor guidelines.
Review loan activity across origination, processing, underwriting, closing, and servicing for compliance with investor, FHA, VA, and regulatory requirements.
Identify and communicate potential compliance, credit, documentation, and process concerns to appropriate partners.
Provide guidance on mortgage compliance matters, including disclosures, rate-lock requirements, compliance engine findings, adverse actions, and HMDA.
Research regulations and guidelines and translate requirements into practical guidance for business partners.
Recommend policy and procedure updates and evaluate lending processes and systems for compliance gaps and improvement opportunities.
Review HMDA reporting for quality, accuracy, and validity.
Oversee third-party quality-control vendors, monitoring timeliness, accuracy, service levels, findings, and rebuttal processes.
Analyze and consolidate quality-control findings to identify trends and recurring issues and potential training or process-development needs.
Support compliance-related vendor projects by developing timelines and questionnaires and partnering with project leads, managers, and vendor-selection partners.
Support development and mentorship of junior Compliance staff and temporary employees; coordinate training, resources, workstation setup, and work responsibilities as needed.
Turn audit and quality-control findings into practical learning opportunities and stronger processes.
Support quality-control oversight for conventional, FHA, and VA loan products.
Independently review Collections activities and report identified deficiencies, their significance, and potential risk.
Partner with teams to ensure quality-control efforts identify and address areas of concern.
Lead collection and coordination of documentation required for annual internal audits and recertification activities.
Help maintain standards and documentation supporting mortgage investor relationships and continued loan-origination authorization.
Partner across Mortgage Lending and Compliance to identify and address regulatory, credit, compliance, and operational risks.
Remain knowledgeable of and adhere to Wings policies, procedures, and applicable Bank Secrecy Act requirements.