Compliance Analyst, Sr

Overview

Responsible for supporting the production support compliance inbox and serving as a subject matter expert on federal and state laws governing mortgage loan originations, with a strong emphasis on TILA and TRID requirements. Provides timely, well-researched compliance guidance to Sales, Operations, and Production teams by quickly analyzing regulatory requirements and responding to complex production questions. Reviews and resolves system-related compliance failures, including disclosure and timing issues, and partners with Systems Compliance and business stakeholders to identify root causes and support corrective actions.

This role requires the ability to work autonomously, exercise sound regulatory judgment, and deliver clear, practical compliance guidance in a fast-paced production environment.

• Serves as an individual contributor responsible for daily oversight and support of the production support compliance inbox, ensuring timely, accurate, and well-documented responses to Sales and Operations inquiries.
• Acts as a subject matter expert on federal and state mortgage origination requirements, with particular emphasis on TILA, TRID, Qualified Mortgage, and state-specific disclosure, fee, and high-cost loan requirements.
• Researches, analyzes, and interprets complex regulatory requirements to provide clear, practical compliance guidance in response to production questions and escalations.
• Reviews, investigates, and resolves system-related compliance failures, including disclosure accuracy, timing violations, and fee tolerances, and provides guidance on appropriate cures and corrective actions.
• Identifies and escalates root causes of compliance issues related to loan origination systems and compliance engines to management and supports remediation efforts.
• Provides real-time compliance support to production teams to mitigate regulatory risk while supporting efficient loan processing and closing timelines.
• Utilizes knowledge of investor, agency, and regulatory guidelines for government and agency loan products to ensure consistent application of compliance standards.
• Documents compliance guidance, issue resolution, and trends observed through the compliance inbox to support reporting, audit readiness, and continuous improvement.
• Assists the Director of Originations Compliance with special projects or initiatives as needed; performs other related duties as assigned

• Minimum of 5+ years of mortgage originations experience required; compliance experience preferred.
• Thorough knowledge of loan origination processes.
• Thorough knowledge of loan origination systems (LOS), including Empower.
• Thorough knowledge of originations compliance engines, including Mavent and Compliance Ease.
• Strong expertise in federal and state regulations governing loan origination, with an emphasis on TILA, TRID, Qualified Mortgage, and state-specific disclosure, fee, and high-cost loan requirements.
• Availability Requirement:
  Must be available to work 8:00 AM – 5:00 PM Pacific Time (PST) on a regular basis. This schedule requirement is mandatory and cannot be accommodated outside of these hours.

We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.