Compliance Analyst

3+ years of related experience in Mortgage Industry, Regulatory Compliance or similar field.
High school diploma required; Bachelor’s degree in related field preferred.
Entry level to intermediate knowledge of residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets and/or other residential mortgage products and services.
Entry level to intermediate knowledge of applicable federal and state regulatory and legal compliance obligations, rules and regulations, industry standards and practices, including TRID, ECOA, HMDA, FCRA, Flood, HOEPA, HPML, Appraisal, ATR/QM, TCPA, UDAAP, and Fair Lending.
Entry level to intermediate knowledge of FNMA, FHLMC, FHA, VA, USDA, and Non-QM guidelines.
Entry level to intermediate knowledge of Encompass loan origination system and integrated systems, such as credit reporting, compliance and pricing engines, fraud manager, HMDA, and title / escrow settlement fee services.
Intermediate speaking and writing communication skills.

Perform detailed pre-funding and pre-purchase reviews to ensure compliance with internal policies, regulatory requirements, and investor guidelines.
Conduct post-closing/purchase reviews to validate adherence to applicable laws, regulations, and investor standards.
Monitor and analyze loan files for accuracy, completeness, and compliance with underwriting and program guidelines (FHA, VA, Fannie Mae, Freddie Mac, Non-QM).
Identify and escalate compliance and operational risks to the appropriate line of business teams and recommend corrective actions.
Collaborate with cross-functional teams, including underwriting, processing, and quality control, to resolve deficiencies or discrepancies in loan files.
Prepare reports summarizing review findings, risk assessments, and recommendations for process improvements.