Compliance Analyst II

HomeXpress – Your Leading Non-QM Mortgage Lender.

Join our growing team and be part of the Top Non-QM Lender in the Business.

We are known for closing mortgage loans with speed, ease, and convenience.

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.

If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Title:              Compliance Analyst II

Department:      Compliance

Reports To:         Vice President, Compliance

FLSA Status:        Exempt

PRIMARY FUNCTIONS: Compliance Analyst II supports development and implementation of compliance programs, policies, procedures, and reporting in collaboration with the Compliance Officer and Compliance Department Manager.

Compliance Analyst II utilizes established internal controls and auditing systems to identify, detect, and correct noncompliance.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• NMLS/Licensing Maintenance (Home Office, Branch and MLO);
• NMLS Quarterly Mortgage Call Reports;
• Annual Reports (Secretary of State and Financial Division Reports);
• Annual HMDA Loan Application Register, including periodic data scrubbing;
• Fair Lending Analytics and Reporting;
• Federal and State Disclosure and Closing Documents Maintenance, including periodic reviews of regulatory and statutory requirements for content, signature, and data fill-ability functionality;
• Responses/Rebuttals of due diligence exceptions in support of the Post-Closing Department;
• Assist in the monitoring, review, and implementation of state and federal law changes;
• Assist with regulatory exams and third party audits, conduct QC audits, implement remediation and actions plans;
• Tasks assigned by Compliance Officer;
• Compliance Analyst II provides subject matter support to management and staff with respect to these six primary federal mortgage compliance regulations and state counterparts:
  • Reg-Z    Truth in Lending Act
  • Reg-X    Real Estate Settlement Procedures Act
  • Reg-B    Equal Credit Opportunity Act
  • Reg-C    Home Mortgage Disclosure Act
  • Reg-P    Privacy of Consumer Financial Information
  • Reg-H    SAFE Mortgage Licensing Act (State License and Bureau Registration System)

DESIRED PERSONAL CHARACTERISTICS:

• Detail oriented and committed to the highest quality
• Self-Starter with positive Can-Do attitude
• Works well under pressure and relishes the responsibility that comes with the job
• Problem solving and analysis
• Communication proficiency
• An open-minded individual that embraces change and innovation

JOB REQUIREMENTS:

• CRCM or CMCP Certification (or interest in enrollment in certification programs for one or both)

EDUCATION:

• Bachelor’s degree or equivalent

EXPERIENCE:

• 3 Years Regulatory Compliance Experience
• 5 Years Mortgage Industry Experience

PHYSICAL REQUIREMENTS:

• This position is in an office setting with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations

All your information will be kept confidential according to EEO guidelines.