Compliance Analyst

SUMMARY OF POSITION:

The Compliance Analyst plays a critical role in ensuring the company's mortgage operations adhere to federal and state regulatory requirements, with a primary focus on HMDA, Fair Lending, and Mortgage Call Reporting. Success in this role is measured by the accuracy, timeliness, and thoroughness of compliance data submissions, as well as the proactive identification and resolution of regulatory risks. This position requires close collaboration across operations, underwriting, and quality control teams to maintain a culture of compliance and mitigate potential issues. By safeguarding the company's regulatory standing, the Compliance Analyst directly supports business integrity, customer trust, and sustainable growth.

Key Responsibilities

• Manage and prepare Home Mortgage Disclosure Act (HMDA) data collection, validation, and filing in accordance with regulatory requirements.
• Conduct regular Fair Lending reviews and analysis to identify potential disparities, risks, or trends.
• Analyze and complete monthly HMDA data edits and corrections
• Ensure accuracy and timely submission of Mortgage Call Reports (MCRs).
• Perform regulatory testing using Mavent or similar compliance systems; review and resolve flagged issues.
• Monitor and respond promptly to inquiries received in the Compliance Mailbox, escalating issues as appropriate.
• Assist in the maintenance of compliance policies, procedures, and controls.
• Collaborate with operations, underwriting, and QC teams to address compliance concerns.
• Stay up to date with changes in mortgage compliance regulations, including CFPB, HMDA, ECOA, TILA, RESPA, and state-specific requirements.

Qualifications

• Bachelor's degree in Finance, Business, Compliance, or related field (or equivalent work experience).
• 3+ years of mortgage compliance experience, with a focus on HMDA and Fair Lending.
• Strong working knowledge of HMDA filing requirements, Fair Lending regulations, and Mortgage Call Reporting (MCRs).
• Hands-on experience with Mavent or similar compliance software.
• Excellent analytical skills with strong attention to detail and accuracy.
• Ability to interpret complex regulatory requirements and apply them to operational practices.
• Strong organizational, communication, and problem-solving skills.
• Proficiency in Excel and other reporting tools; experience with Encompass loan origination system preferred.

PHYSICAL DEMANDS:

While performing the responsibilities of the job, the employee is required to talk and hear. Vision abilities required by the job are close vision.  The employee is often required to sit and use their hands and fingers to handle, feel, and operate office equipment such as a computer, copier, and office supplies.

In addition, the employee is occasionally required to stand, walk, reach with their arms and hands, and to stoop, kneel or crouch. Reasonable accommodations can be made to enable employees with disabilities to perform the described essential functions of the job.

Note: This document describes the minimum, essential duties, responsibilities, skills, abilities, effort, and working conditions of the position. It in no way implies that these are the only functions to be performed by the incumbent. Workers are required to follow any other job-related instructions and to perform any job-related functions requested by a supervisor or manager. Successful performance requires that the incumbent possess and utilize the abilities and skills described. All functions are subject to reasonable modification to accommodate individuals with disabilities. Some functions may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or others.

65-85K