Compliance Analyst

Job Title:

Compliance Analyst

Location:

TX - Dallas/Irving

What you'll do:

As a Compliance Analyst you'll need to ensure compliance with federal, state, and investor guidelines for mortgage loan origination and purchase activities. You'll play a critical role in identifying, monitoring, and mitigating risks by performing comprehensive pre-funding, pre-purchase, and post-closing reviews.

• Perform detailed pre-funding and pre-purchase reviews to ensure compliance with internal policies, regulatory requirements, and investor guidelines. Conduct post-closing/purchase reviews to validate adherence to applicable laws, regulations, and investor standards.
• Monitor and analyze loan files for accuracy, completeness, and compliance with underwriting and program guidelines (FHA, VA, Fannie Mae, Freddie Mac, Non-QM).
• Identify and escalate compliance and operational risks to the appropriate line of business teams and recommend corrective actions. Collaborate with cross-functional teams, including underwriting, processing, and quality control, to resolve deficiencies or discrepancies in loan files.
• Prepare reports summarizing review findings, risk assessments, and recommendations for process improvements.

What you'll need:

• 3+ years of related experience in Mortgage Industry, Regulatory Compliance or similar field.
• High school diploma required; Bachelor's degree in related field preferred.
• Entry level to intermediate knowledge of residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets and/or other residential mortgage products and services.
• Entry level to intermediate knowledge of applicable federal and state regulatory and legal compliance obligations, rules and regulations, industry standards and practices, including TRID, ECOA, HMDA, FCRA, Flood, HOEPA, HPML, Appraisal, ATR/QM, TCPA, UDAAP, and Fair Lending.
• Entry level to intermediate knowledge of FNMA, FHLMC, FHA, VA, USDA, and Non-QM guidelines.
• Entry level to intermediate knowledge of Encompass loan origination system and integrated systems, such as credit reporting, compliance and pricing engines, fraud manager, HMDA, and title / escrow settlement fee services.
• Intermediate speaking and writing communication skills.

Benefits you’ll love:

We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the company:

AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide, Western Alliance Bank includes six legacy bank brands — Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank and Torrey Pines Bank — that remain part of the company’s heritage.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email [email protected] or call 602-386-2488.  When contacting us, please provide your contact information and state the nature of your accessibility issue.  We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

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