Mortgage Loan Compliance Analyst

The Mortgage Loan Compliance Analyst plays an important role in helping Wings maintain strong, compliant, and effective mortgage lending practices. Partnering with Compliance leadership and Senior Mortgage Loan Compliance Analysts, this position provides independent review of mortgage loan quality, regulatory compliance, and credit risk across the lending lifecycle.
In this role, you’ll review mortgage loan documentation, lending processes, reports, and systems to help ensure alignment with internal standards and applicable regulatory, governmental, investor, and secondary market requirements. You’ll research evolving compliance and credit requirements, identify potential risks or process gaps, and help translate findings into practical updates to policies, procedures, action plans, and training.
You’ll also work collaboratively with Mortgage Lending leaders, Compliance partners, vendors, supervisors, and training teams to understand recurring findings and help develop solutions that strengthen our processes and support both our members and the organization.
ESSENTIAL FUNCTIONS
Mortgage Loan Quality & Compliance Reviews
Conduct independent reviews of mortgage loans in accordance with applicable agency and investor guidelines, including pre-funding, closing, post-closing, servicing, and adverse-action reviews.
Review loan activity across origination, processing, underwriting, closing, and servicing to assess alignment with investor, FHA, VA, and regulatory requirements.
Identify potential compliance, credit, documentation, or process concerns and communicate findings to appropriate partners.
Compliance Research & Process Support
Research mortgage compliance questions involving disclosures, rate-lock requirements, compliance engine findings, adverse actions, HMDA, and other lending requirements.
Help translate regulations and guidelines into practical guidance for business partners.
Recommend updates to policies and procedures based on regulatory changes, audit findings, and identified process gaps.
Review lending processes and systems for potential compliance weaknesses and support appropriate corrective actions.
Review HMDA reporting for quality, accuracy, and validity.
Quality Control & Vendor Coordination
Support oversight of third-party quality control vendors serving the Compliance function, including review of contracts, policies, timeliness, accuracy, findings, service levels, and rebuttal activity.
Compile and analyze quality-control findings to help identify trends, recurring deficiencies, and potential training or process-development needs.
Partner with Compliance leadership and business teams to help ensure third-party vendors meet established expectations and service-level requirements.
Delinquency Quality Control
Support quality-control efforts for conventional, FHA, and VA loan products.
Perform independent reviews of Collections activities and provide reporting on identified deficiencies and their potential significance.
Partner with appropriate teams to help identify and address recurring quality or compliance concerns.
Annual Audit & Recertification Support
Assist with collecting and coordinating documentation required for annual internal audits and recertification activities.
Help maintain the standards and documentation necessary to support mortgage investor relationships and continued loan-origination authorization.
Support Mortgage Lending and Compliance partners in identifying and addressing issues that could create regulatory, credit, compliance, or operational risk.
BANK SECRECY ACT
Remain knowledgeable of and adhere to Wings policies, procedures, and applicable Bank Secrecy Act requirements.
Minimum Formal Qualifications for this Position:
Associate's Degree in Finance, Business Administration, or similar. preferred
3+ years' of first mortgage loan experience. Required
2+ years' first mortgage loan auditing / quality assurance experience with mortgage lending systems. preferred
6+ months Experience in a Credit Union setting. preferred
Technical or Specialized Knowledge/Skills:
Strong aptitude for analytical work to include legal and regulatory research, documentation of findings, risk analysis, policy development, etc. Strong reading comprehension of technical/regulatory documentation is required.
Working knowledge of first mortgage products including conventional, FHA, VA, construction, land, portfolio, and investment properties.
Knowledge of federal and state lending regulations.
Knowledge of governmental and secondary market guidelines.
Knowledge of Ent mortgage lending policies and procedures.
Knowledge of all mortgage lending positions and functions.
Initiative to meet and/or exceed job standards and willingness to take on other tasks that are not part of their regular job.
Organized, detail oriented, flexible, and able to multi-task in a dynamic environment.
Self-motivated.
Resource management skills.
Problem solving skills.
Excellent written and oral communication skills.
Excellent interpersonal skills.
Aptitude to work concurrently on multiple projects.
Aptitude to work independently with very minimal direction.
Aptitude to coach staff with clear and concise written and/or verbal communication.
Aptitude to give oral presentations to a group.
Ability to hold information in strict confidence.
Extensive knowledge of Microsoft Office to include Microsoft Word, Excel, and Outlook.
Certifications Required:
None

Skills
Excel, Auditing, Quality Control, Regulatory Compliance, Documentation

Employment type
Full-time

Work arrangement
Hybrid