Mortgage Loan Compliance Analyst
3 days ago
Description
CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.
The Mortgage Loan Compliance Analyst is responsible for ensuring that the organization's mortgage lending practices adhere to all applicable federal, state, and investor guidelines. This role involves auditing loan files, monitoring regulatory changes, identifying compliance risks, and recommending corrective actions to maintain full regulatory compliance across the mortgage lifecycle.
Key Responsibilities:
- Conduct detailed post-closing audits of mortgage loan files to ensure compliance with regulations such as RESPA, TILA, TRID, HMDA, ECOA, and Fair Lending laws.
- Analyze loan disclosures, closing documents, and underwriting decisions for accuracy and completeness.
- Stay current with regulatory changes and communicate their impact to relevant departments.
- Support internal and external audits and regulatory examinations by preparing reports, gathering documentation, and addressing findings.
- Collaborate with loan officers, processors, and underwriters to ensure corrective actions and process improvements are implemented.
- Identify potential compliance risks and provide recommendations to minimize regulatory exposure.
- Assist with the creation and delivery of compliance training programs for staff.
- Maintain up-to-date knowledge of investor and agency guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA).
- Utilize compliance software tools and loan origination systems (LOS) such as Encompass or Calyx.
- Bachelor's degree in Finance, Business Administration, Legal Studies, or a related field (or equivalent work experience).
- 2+ years of experience in mortgage loan compliance, quality control, or related function.
- Strong knowledge of federal and state mortgage lending regulations.
- High attention to detail and excellent analytical and problem-solving skills.
- Proficient in Microsoft Office (Excel, Word, Outlook); experience with LOS and compliance systems.
- Strong communication skills (both verbal and written).
- Experience with regulatory reporting requirements such as HMDA or Fair Lending.
- Familiarity with CFPB, OCC, and other regulatory body requirements.
Why Join CAKE Mortgage?
- Be part of a fast-growing company changing the game in Non-QM.
- Competitive compensation and performance-based bonuses.
- Collaborative and entrepreneurial culture.
- Opportunities for career advancement and innovation.
Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.
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