Compliance Analyst

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Description

•Conduct TRID audits to evaluate loan files for compliance with applicable disclosure timing, accuracy, and regulatory requirements.

• Review mortgage loan files and supporting documentation to identify potential compliance issues, discrepancies, and areas requiring corrective action.
• Assist with regulatory examinations, audits, and compliance reviews by gathering documentation, organizing records, and coordinating responses to information requests.
• Support exam management activities, including tracking requests, monitoring deadlines, maintaining documentation, and following up with relevant departments.
• Collaborate with compliance, underwriting, closing, and operations teams to research and resolve compliance-related questions and findings.
• Monitor outstanding audit findings and compliance requests to ensure timely follow-up and resolution.
• Maintain accurate records of audit results, examination materials, compliance findings, and corrective actions.
• Assist with identifying trends, recurring issues, and opportunities to improve compliance procedures and operational processes.
• Maintain a working knowledge of applicable mortgage regulations, including TRID requirements, and support adherence to internal policies and procedures.
• Utilize Encompass LOS to review loan information, access documentation, and support compliance auditing activities.
• Support the Compliance team with additional audits, reporting, documentation, and regulatory initiatives as needed.

Requirements

• Required: 3–5 years of experience in mortgage lending, mortgage compliance, loan auditing, or a related mortgage operations role.
• Experience conducting TRID audits and reviewing mortgage loan files for regulatory compliance.
• Experience with Encompass LOS and familiarity with wholesale mortgage lending.
• Exam management or regulatory examination support experience preferred.
• Knowledge of TRID requirements, mortgage disclosures, and applicable federal mortgage regulations.
• Experience identifying compliance discrepancies, documenting findings, and coordinating corrective actions.
• Excellent written and verbal communication skills with the ability to collaborate across multiple departments.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Ability to manage multiple requests, prioritize competing deadlines, and maintain accurate documentation.
• Ability to work independently while contributing effectively to a fast-paced, team-oriented environment.