Document Compliance Specialist I

Cardinal Financial is a nationwide direct mortgage lender that focuses on creating solutions for our borrowers, partners, and employees—to provide the very best experience. We are genuine and hard-working individuals who are not scared to improve and intentionally push beyond what is considered "good enough."

Looking to join a company that values its people, innovates, and expands on its proprietary technology? Apply below

The Document Compliance Specialist I learns to review mortgage loans and processes documents in an accurate and timely manner to ensure compliance with company policy and procedures, as well as compliance with Federal and State regulations. This includes intake of borrower documents, document analysis, accurate data input and updates into the loan system of recording, and mailing and emailing documentation.

• Completes limited scope of daily tasks regarding HMDA and TRID functions.
• Learns to complete various HMDA functions, including review of file notes, credit score, DTI, borrowers age, Property Geocodes, Canceled loans, Test Loans and HMDA Action Take and Date, and ensures loans are compliant with ECOA requirements.
• Uploads loan documents into applicable areas within Octane, the Loan Origination System.
• Retrieves, intakes, parses, and scans loan documents as well as emails and mails required documentation.
• Reviews purchase contracts and system triggered disclosure actions and ensures necessary actions are taken to satisfy all local, federal and state regulatory requirements.
• Reviews disclosed charges and revised disclosures to ensure that applied tolerance cures are valid as required by TRID regulations.
• Effectively manages multiple daily demands and competing priorities.
• Maintains a working knowledge of policies, procedures and regulatory requirements while demonstrating a commitment to professional ethics.
• Ensures daily, weekly and monthly internally specified goals and requirements are met.
• Meet deadlines and quality standards.
• Assists Loan Officers, Cardinal personnel, and coworkers with inquiries that apply to specific workflow.
• Responsible for printer maintenance and helps to keep the office area cleaned and stocked as needed.
• May assist in special projects as assigned.
• Other duties as needed or assigned by the Compliance Monitoring Manager.

• High school diploma or GED.
• Mortgage or banking experience preferred.
• Familiarity with the mortgage process and mortgage documents.
• Ability to adapt well to change.
• Exceptional computer skills.
• Demonstrate responsibilities for multi-faceted direction and planning.
• Excellent verbal and written communication skills.
• Excellent analytical, problem solving, organization, and time management skills.
• Interpersonal skills are essential.
• Detail oriented and ability to multitask.
• Ability to take direction and comprehend training.
• Ability to work closely within a team structure with a great attitude.
• Self directed and motivated.
• Working knowledge of Google Docs.
• Working knowledge of Octane preferred.

• Strength, Stability, and Vision.
• Great compensation package.
• Opportunity for career growth.
• A commitment to be a relevant market leader - we are aiming for the top
• Octane, our engineered proprietary technology that is transforming the mortgage industry.
• An empowered culture where your ideas are important and your voice matters.
• Full Benefits, beginning the first day of the month following your start date, including – Medical, Dental, Vision, Life, Disability Insurance, and much more.
• Generous paid time off package that also includes all major holidays.
• 401K w/ 50% match - Beginning the 1st of the month following 30 days of employment.

Cardinal Financial is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills and experiences within our workforce. California residents click here to reviewCardinal's California Employee Privacy Policy & Notice at Collection.The expected base salary for this position ranges from twenty eight thousand dollars to forty five thousand dollars, determined based on the applicant's experience, skillset, education, training, certificates, and licenses.