Compliance Analyst, Servicing and Regulatory

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the homeowner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.

Position Summary

The Compliance Analyst, Servicing & Regulatory plays an important role in the organization by performing a variety of activities related to the Company's Compliance functions. This role is primarily responsible, under moderate supervision, for monitoring and implementing regulatory and investor requirements impacting mortgage origination and servicing operations, supporting consumer complaint and privacy compliance programs, conducting compliance analysis, and identifying opportunities to improve compliance-related processes and controls. The role partners with business units to provide regulatory guidance, assess operational impacts, support regulatory change implementation, and promote compliant business practices. The role also supports examinations, audits, and other compliance initiatives while serving as a resource.

Compensation

This role is a non-exempt position with a targeted salary range of $25/hr to $37/hr.

Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant’s geographical location.

Essential Functions

• Identify, analyze, and manage regulatory, investor, and industry changes that impact the Company's mortgage origination and servicing operations.
• Evaluate regulatory requirements to determine applicability, operational impact, implementation needs, and associated compliance risks.
• Coordinate with business units and third parties to support implementation and validation of regulatory and investor changes and ensure ongoing compliance with applicable requirements.
• Serve as a subject matter expert for mortgage origination and servicing operations, providing guidance regarding regulatory requirements, operational impacts, and implementation considerations.
• Research, investigate, and respond to escalated consumer complaints, regulatory inquiries, and customer concerns in accordance with regulatory requirements and Company standards.
• Gather and coordinate documentation required for regulatory servicing obligations, including Qualified Written Requests, Notices of Error, Requests for Information, debt validation requests, and other regulatory response requirements.
• Support the Company's privacy compliance program, including consumer privacy rights requests and compliance with applicable privacy regulations.
• Support Compliance Department initiatives related to regulatory examinations, audits, monitoring activities, issue remediation efforts, and other compliance risk management functions.
• Identify opportunities to improve compliance processes, workflows, controls, and reporting to enhance operational effectiveness and regulatory compliance.
• Participate in cross-functional projects related to regulatory implementation, compliance initiatives, and process improvements.
• Provide professional and knowledgeable compliance support to business units and make recommendations, when appropriate, to promote compliant and efficient business practices.
• Provide guidance and serve as an escalation resource for day-to-day questions and role related compliance matters.
• Prepare reports, analyses, presentations, and supporting materials for senior management, examinations, audits, or other areas as requested.
• Perform other duties as assigned.

Qualifications

• Associate's degree in business, Finance, Legal Studies, Risk Management, Compliance, or related field to the position, preferred.
• A combination of education and experience may be considered in lieu of the Associate's degree.
• Minimum three years of Mortgage industry experience required, including knowledge of origination and servicing operations.
• Minimum two years of experience in Compliance, regulatory, audit, risk management, quality control, or related experience preferred.
• Strong knowledge of federal and state laws and regulations applicable to mortgage origination and servicing.
• Demonstrated knowledge of residential mortgage origination and servicing processes, controls, and compliance practices.
• Knowledge of consumer complaint management, exam management, privacy compliance requirements, and industry best practices.
• Strong analytical, research, critical thinking, and problem-solving skills.
• Ability to translate regulatory requirements into practical business solutions.
• Demonstrated ability to identify process improvement opportunities and implement effective solutions.
• Strong verbal, written, and interpersonal communication skills.
• Strong organizational skills, attention to detail, and sound judgment.
• Excellent verbal and written communication skills required.
• Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required.
• Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required.
• Commitment to company
• Customer Service - Proactive attention to each person
• Integrity - Do and say what's right
• Respect - Treat others with dignity
• Collaboration - Listen and work together
• Learning - Seek knowledge and strive for improvement
• Excellence – Deliver the unexpected

Supervision

• Job Scope: Assists in a variety of duties at the direction of more senior staff and contributes as a team member and resource to others in the unit

• Complexity: Problems encountered are often complex and may involve significant resource coordination and availability, evaluating and resolving discrepancies with data, analyses, processes, etc. using own expertise and judgment

• Impact: Decisions and actions have an impact on the smooth operation and timeframes of the department, programs/projects; impact on the broader organization is generally indirect

• Interaction/Supervision: Works under direct supervision and follows specific instructions; work is subject to moderate review; May act as a guide to less experienced staff in similar role; generally does not have formal responsibility for overseeing others

Requirements

• Physical: Work is primarily sedentary; mobility in an office setting.
• Manual Dexterity: Ability to operate standard office equipment and keyboards
• Audio/Visual: Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
• Environmental: Office environment – moderate noise, no substantial exposure to adverse environmental conditions.
• Travel: 5% or less
• Mental: Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow. This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities.
• Schedules: Work is primarily performed during the business week, Monday - Friday

Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.

Guild Mortgage Company is an Equal Opportunity Employer.

REQ#: COMPL018438

Originally posted on Himalayas