Real Estate Mortgage Compliance Officer

This position assists in the development, implementation, and maintenance of compliance programs, policies, and procedures that support Bell Bank Mortgage's adherence to federal and state regulatory requirements. Under the guidance of leadership, this role conducts targeted compliance reviews, researches regulatory requirements, evaluates operational and system changes for compliance impact, and provides guidance on mortgage-related compliance matters. The position serves as a compliance resource for mortgage operations, marketing, and servicing activities while helping ensure regulatory requirements are effectively integrated into business processes.

• Monitor and maintain awareness of changes in federal and state mortgage regulations and assess their potential impact on Bell Bank Mortgage operations, products, systems, and processes.
• Review and approve mortgage-related advertising and marketing materials for compliance with applicable federal and state regulations, including website content, social media, print advertising, radio and television advertisements, co-branding arrangements, lead generation platforms, and promotional campaigns.
• Maintain mortgage compliance policies, procedures, and documentation on internal systems to ensure information remains accurate, current, and aligned with regulatory requirements.
• Research federal and state laws, regulations, and licensing requirements related to mortgage origination, servicing, advertising, flood insurance, and related lending activities, including support for expansion into new markets and states.
• Coordinate and conduct targeted compliance reviews and audits of mortgage origination, servicing, disclosures, documentation, operational processes, and bank policies to evaluate regulatory compliance and identify areas of risk.
• Prepare audit findings, communicate results to management, recommend corrective actions, and evaluate the effectiveness of remediation efforts.
• Lead meetings with department leaders to discuss compliance review results, regulatory concerns, and corrective action plans.
• Identify opportunities to improve compliance monitoring, audit processes, and risk assessment practices.
• Assist in analyzing, interpreting, and implementing new or revised regulations by collaborating with stakeholders to determine operational impacts and required process changes.
• Monitor regulatory-related enhancements within loan origination and servicing systems and participate in testing activities to ensure compliance requirements are met.
• Serve as a compliance resource to mortgage and bank employees by responding to questions regarding mortgage regulations, policies, procedures, and regulatory interpretations.
• Assist with compliance testing of loan origination and servicing systems, including state-specific document updates and regulatory change implementations.
• Gather and prepare documentation and information requested by internal and external auditors, examiners, and regulatory agencies.
• Review loan officer websites and other digital marketing channels to verify compliance with regulatory requirements and bank policies.
• Analyze quality control findings, identify trends and recurring issues, and recommend process or system improvements to strengthen compliance and operational effectiveness.
• Assist in the development and delivery of compliance-related training materials and educational resources.
• Support the identification and reporting of suspicious mortgage lending activities and coordinate with the Bank's BSA/Fraud Department as necessary.
• Participate in ongoing training, professional development, and industry education to maintain current knowledge of mortgage regulations, products, services, and operational practices.
• Maintain a high…