Compliance Lending Analyst

If you are ready to join a company that truly cares about its employees, our members, and our community then you have come to the right place!

The Compliance Lending Analyst is responsible for monitoring, reviewing, and ensuring compliance with all applicable federal and state regulations governing mortgage/lending activities. This role supports the compliance department by assisting in audits, analyzing regulatory changes, and assisting in the development of policies and procedures to mitigate risk. Additionally, this position will help with any operational areas and business units to inform, support and guide them in maintaining an enterprise‑wide compliance program.

Responsible for the ongoing development and performance of the organization’s Compliance Monitoring programs.

• Actively monitor mortgage/lending regulatory, legal and technological developments and assist in implementing necessary updates to policies and procedures.

• Collaborate with internal teams to resolve mortgage/lending compliance issues and provide guidance on regulatory requirements.

• Assist in training staff in mortgage/lending compliance standards and best practices.

• Review mortgage/lending loan files for compliance with federal and state regulations (e.g., RESPA, TILA, ECOA, HMDA, SAFE Act, Fair Lending, UDAAP).

• Conduct periodic monitoring on mortgage origination and servicing processes assisting in any Fair Lending analysis per the Fair lending program manager, as needed.

• Prepare compliance reports and communicate findings to management.

• Prepare periodic reports, executive summaries, and compliance reviews to senior management regarding new laws and regulations and legislation and changes to existing laws and regulations, when appropriate.

• Participate in and advise on the design and implementation of new products and services including initial mortgage/lending compliance review for feasibility.

• Coordinate implementation of mortgage/lending regulatory compliance changes.

• Cross train capabilities with the regulatory compliance team:
  Ability research and respond to compliance-related and other questions and inquiries from all operational areas of the credit union, as needed.

• Research and complete special projects and assignments, as needed.

• Assist with content development for all areas of mortgage/lending compliance training.

• Promptly provide documentation and information requested by regulators and internal and external auditors during examinations.

• Work with mortgage/lending business owners to review and revise credit union forms, disclosures, rate sheets, fee schedules, policies, procedures, and operational manuals for compliance with applicable laws and regulations.

• Review mortgage/lending marketing collateral and other communications and materials sent to members, staff and the public for regulatory compliance requirements.

• Assist with preparation letters to state and federal regulators on pending regulations.

• Participate, as needed, in responding to member complaints related to mortgage/lending noncompliance, considering the nature of the complaint, credit union policies and procedures and applicable laws and regulations.

• Maintain knowledge of current and pending federal and state laws and regulations affecting the financial services industry.

• Assist with applicable mortgage/lending compliance risk assessments in conjunction with business owners for all operational areas of the credit union using credit union‑approved software.

• Interpret data from risk assessments to determine gaps in processes or procedures and work with business unit owners on remediation plans.

• Bachelor's degree in accounting, finance, business, or related field; equivalent experience considered.

• Minimum of 5 years of experience in Compliance, Legal, Regulatory, or Financial Services.

• 3‑5 years of experience in mortgage lending compliance or mortgage operations with compliance responsibilities.

• CUCE and/or CMCP a plus, candidates without certification must demonstrate the ability and willingness to obtain one of the above within a specified timeframe (typically 12‑24 months).

• Strong…