Senior Mortgage Loan Compliance Analyst

Wings Credit Union • Apple Valley, CO

1d

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. The role reviews lending processes, systems, reports, and loan documentation for alignment with internal standards and applicable regulatory, governmental, investor, and secondary-market requirements. It works closely with the Manager of Compliance and Quality Control and collaborates with Mortgage Lending leaders, Compliance partners, vendors, and training teams to identify risks and process gaps and develop practical improvements to policies, procedures, training, and technology.

The position conducts mortgage quality and compliance reviews, provides compliance guidance, oversees third-party quality-control vendors, analyzes findings and trends, supports staff training and mentorship, reviews collections activity, and coordinates documentation for annual audits and recertification. It also adheres to Wings policies, procedures, and applicable Bank Secrecy Act requirements.

Requirements

• At least 4 years of first mortgage loan experience, required.
• At least 2 years of first mortgage loan auditing or quality assurance experience with mortgage lending systems, required.
• Strong aptitude for detail and analytical work, 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.
• Extensive knowledge of federal and state lending regulations and governmental and secondary-market guidelines.
• Knowledge of Wings mortgage lending policies and procedures and mortgage lending positions and functions.
• Organization, attention to detail, flexibility, and ability to multitask in a dynamic environment.
• Project management, supervisory, scheduling, resource management, and problem-solving skills.
• Excellent written, oral, and interpersonal communication skills.
• Ability to work independently with very minimal direction.
• Ability to train staff clearly and concisely, orally and in writing, 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.
• Required certification: NAFCU Certified Compliance Officer (NCCO), ACU Certified Credit Union Compliance Officer (CUCO), or similar.

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 is preferred.

Responsibilities

• Conduct independent mortgage loan reviews covering pre-funding, closing, post-closing, servicing, and adverse actions, in accordance with applicable agency and investor guidelines.
• Review loan activity across origination, processing, underwriting, closing, and servicing for alignment with investor, FHA, VA, and regulatory requirements.
• Identify and clearly communicate potential compliance, credit, documentation, and process concerns to appropriate partners.
• Provide guidance on mortgage compliance questions, 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, recurring issues, and 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 the 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.
• Perform independent quality-control reviews of Collections activities for conventional, FHA, and VA loan products and report deficiencies, their significance, and potential risk.
• Partner with appropriate teams to ensure quality-control efforts identify and address areas of concern.
• Lead the collection and coordination of documentation for annual internal audits and recertification activities.
• 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, or operational risks.
• Remain knowledgeable of and 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, floating holidays, and volunteer time off.
• Paid holidays.
• Tuition reimbursement.
• Paid parental leave.
• 15% annual target bonus.

What This Job Offers

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