Mortgage Compliance Counsel
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AI Summary
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.
A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
Position Overview:
The Regulatory Compliance Counsel supports the company's compliance management program by providing legal analysis and guidance on federal and state regulatory requirements. This role works with colleagues across departments to help ensure the company adheres to applicable regulations and contributes to the overall effectiveness of compliance operations.
Job Responsibilities:
- Provide legal guidance on identified compliance risks and issues to support mortgage origination compliance and operations.
- Provide legal and compliance support for regulatory examination findings, regulatory or consumer complaints, and inquiries from stakeholders or counterparties, including conducting system-level research to support response preparation.
- Assist with development of solutions related to regulatory findings identified through examination, testing, and monitoring, including root cause of issues and associated remediation.
- Provide legal guidance on post-close suspense items to support timely clearing of conditions, reduce compliance-related delays, and help ensure investor delivery timelines are met.
- Provide legal support to defects causing critical loan salability issues and coordinate cross-functionally to develop corrective actions.
- Provide compliance legal support for use of technology in originations including the Company’s LOS, point of sale system, and proprietary technology solutions.
- Draft policies and procedures to address federal and state regulatory requirements ensuring both accuracy and understandability across the organization.
- Serve as a resource for compliance support escalations, providing timely legal analysis and practical guidance on regulatory questions.
- Prepare legal research, memoranda, and recommendations on compliance matters for senior counsel and leadership.
Qualifications and Skills:
- Juris Doctorate (JD) from an American Bar Association (ABA) accredited law school.
- Minimum of 3-5 years of experience in mortgage lending compliance.
- Knowledge of federal and state mortgage lending regulations, including but not limited to Dodd Frank Wallstreet Reform Act, QM/ATR, RESPA, TILA, ECOA, HMDA, UDAAP, and SAFE Act.
- Experience supporting compliance programs in the mortgage lending industry.
- Excellent analytical and problem-solving skills.
- Effective communication and collaboration skills.
- High level of integrity and ethical conduct.
This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job.
However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.
CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com
California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.
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