Note: The job is a remote job and is open to candidates in USA. loanDepot is a digital commerce company committed to serving its customers throughout the home ownership journey. The Compliance Analyst, Sr is responsible for providing compliance guidance on federal and state laws governing mortgage loan originations, ensuring accurate responses to inquiries and resolving compliance failures.
Responsibilities
- 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
Skills
- Minimum of 5+ years of mortgage originations experience required
- Thorough knowledge of loan origination processes
- Thorough knowledge of loan origination systems (LOS), including Empower
- Thorough knowledge of originations compliance engines, including Mavent and ComplianceEase
- 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
- Bachelor's degree preferred
- Compliance experience preferred
Benefits
- Aggressive compensation package based on experience and skill set.
- Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
- Work with other passionate, purposeful, and customer-centric people.
- Extensive internal growth and professional development opportunities including tuition reimbursement.
- Comprehensive benefits package including Medical/Dental/Vision.
- Wellness program to support both mental and physical health.
- Generous paid time off for both exempt and non-exempt positions.
Company Overview
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