Senior Mortgage Loan Compliance Analyst

Wings Credit Union•Apple Valley, MN

12h•$92,300 - $107,700

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, partnering closely with the Manager of Compliance and Quality Control. The role reviews lending processes, systems, reports, and loan documentation for compliance with internal standards and applicable regulatory, governmental, investor, and secondary market requirements. It monitors evolving compliance and credit requirements, identifies risks and process gaps, and recommends practical improvements to policies, procedures, training, and technology. The analyst works collaboratively with Mortgage Lending leaders, Compliance partners, vendors, and training teams to understand trends, address recurring findings, and strengthen mortgage lending processes. Responsibilities include reviewing loans across origination, processing, underwriting, closing, and servicing; providing guidance on mortgage compliance matters; overseeing third-party quality-control vendors; supporting delinquency quality control; mentoring and coordinating support for junior staff and temporary employees; and coordinating documentation for annual audits and recertification. The role also adheres 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.
Organizational skills, attention to detail, flexibility, and ability to multitask in a dynamic environment.
Project management skills.
Problem-solving skills.
Excellent written, oral, and interpersonal communication skills.
Ability to work independently with very minimal direction.
Ability to train staff using 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.

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.
Supervisory and scheduling skills.
Resource management skills.

Responsibilities

Conduct independent mortgage loan reviews in accordance with 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 compliance, credit, documentation, and process concerns to appropriate partners.
Provide guidance on mortgage compliance questions involving disclosures, rate-lock requirements, compliance engine findings, adverse actions, HMDA, and other lending requirements.
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.
Partner with the department manager to develop and mentor junior Compliance staff and temporary employees.
Coordinate training, resources, workstation setup, and work responsibilities as needed.
Use audit and quality-control findings to create practical learning opportunities and strengthen 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 relevant teams to ensure quality-control efforts identify and address areas of concern.
Lead collection and coordination of documentation 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.