Mortgage Compliance Specialist

3 weeks ago

Louisville, United States Republic Bancorp, Inc. Full time

"Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job"

Grade 10

About Republic Bank

Republic Bank's values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates. It's one of the reasons we've been named as one of the Best Places to Work in Kentucky for the last seven years For more information about the company, please visit www.republicbank.com.

POSITION PURPOSE AND OBJECTIVES

The Mortgage Compliance Specialist is responsible for supporting the mortgage lending business unit (including Operations and Originations) with development and maintenance of processes and procedures to ensure compliance with applicable federal, state, agency, and investor requirements. This position will assist in ensuring the business unit operates in accordance with the bank's Compliance Management System and maintains appropriate documentation, testing, and monitoring or internal processes.

MINIMUM QUALIFICATIONS
  • Minimum of 5 years' experience in the mortgage compliance industry, required.
  • Excellent ability to interpret and communicate regulatory guidance, required.
  • Experience in developing and implementing compliance policies, procedures, and programs, required.
  • Certified Mortgage Compliance Professional (CMCP) designation preferred or obtained within first year and sustained.
  • Previous experience with regulatory and legal research required.
  • Previous experience in training or public speaking preferred.
  • Demonstrated proficiency in Microsoft Office products.
ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES
  • Assist Mortgage Compliance Officer in ensuring the Mortgage Department is meeting the requirements of the bank's Compliance Management System.
  • Serve as a subject matter expert in key laws and regulations for the mortgage industry standards (e.g. FNMA, FHLMC, FHA, VA, HUD, and Fair Lending Guidelines) and lending guidelines (e.g. Conventional, FHA, VA, etc.).
  • Interface regularly with the Bank's Compliance Department on initiatives with a regulatory impact.
  • Monitor, evaluate and maintain reporting on regulatory, agency, and investor changes in collaboration with the business unit's change management committee.
  • Assist in the development and review of Mortgage Operations and Origination-related policies, procedures, and training to ensure alignment and compliance with applicable regulatory requirements, federal and state laws, and regulations.
  • Support business unit in preparing documentation for compliance examinations.
  • Assist with audits performed by internal and external auditors.
  • Assist with testing, monitoring, and reporting of business unit compliance programs.
  • Coordinate consolidated and efficient reporting of compliance and risk functions to the Bank's Compliance Department.
  • Perform compliance review of marketing and advertisements of mortgage-related products and services.
  • Conduct monitoring of mortgage loan originator social media for ongoing compliance and generate reporting on use, trends, and remediation.
  • Assist business unit in analysis and resolution of identified issues and compliance exceptions, including working with stakeholders to complete proper documentation in Core Bank Issues Tracking.
  • Assist with the NMLS process for the Bank, including registering new associates with the

NMLS Registry and quarterly audits of associates with an NMLS number to ensure

compliance with Bank standards. Administer yearly NMLS renewal for RBT and associates.

  • Participate in regular meetings with the business unit to discuss current processes, review needs, regulatory updates, or emerging risks.
  • Review new products and initiatives for compliance with applicable federal and state regulations, statutes, and guidance.
  • Monitor all aspects of changes in state or federal laws and regulations to ensure awareness of actual and pending changes in each area of compliance.
  • Assist in state mortgage expansion projects and have knowledge of lending laws in the Bank's lending areas.
  • Provide responses regarding daily questions from associates throughout the company regarding complex TRID, Regulation B, and other regulatory issues.
  • Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
  • Model and foster behaviors that support the Bank's values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
  • Willingly perform all other duties and projects as assigned.
INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED
  • Build effective relationships with a proven ability to build trust and credibility through strong interpersonal skills, communications, actions, and presence.
  • Ability to work independently and exercise good judgment in escalation of issues to Compliance department and business unit management.
  • Ability to make decisions regarding compliance requirements and determine potential compliance implications for various situations.
  • Highly developed work ethic including self-motivation, time management, organizational, and detail orientation skills.
  • Able to manage multiple projects at once.
  • Approach tasks with a sense of urgency and adhere to assigned deadlines.
  • Effective communication (written and verbal) skills to adequately convey reports, findings, etc. related to job function.
PHYSICAL REQUIREMENTS

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the associate is regularly required to sit, use hands to finger, handle, or feel; and talk or hear. The associate frequently is required to stand or walk. The associate is occasionally required to reach with hands and arms. The associate must occasionally lift and/or move 10 pounds. Specific vision abilities required by this position include close vision, and distance vision. The noise level in the work environment is usually moderate.

OTHER REQUIREMENTS
  • Travel between Republic Banking facilities may be required.
  • Occasional out-of-town travel may be required.
  • Flexible work schedule that will include some evenings and weekends.
  • Stay abreast of new developments, best practices, and statutory and regulatory changes.

The above is intended to describe the general content of and requirements for the performance of this position. It is not construed as an exhaustive statement of duties, responsibilities, or requirements.

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