Mortgage Loan Compliance Specialist

Overview

The Mortgage Loan Compliance Specialist conducts compliance monitoring for United Community Mortgage to ensure that regulatory requirements are met and completes special projects as instructed by the Director of Mortgage Compliance.

What You’ll Do

• Conduct regular reviews of denied, withdrawn, and incomplete loan files—including AANs, disclosures, and dashboard reports—to ensure accurate documentation, regulatory compliance, and timely completion of the required second review fair lending process.
• Complete and send denial/withdrawal disclosures and maintain appropriate file documentation.
• Monitor Encompass daily dashboards, pipeline views, and daily and monthly automated reports to confirm proper loan type, purpose, address, and adherence to other various regulatory and departmental procedures for ECOA, TRID, and HMDA.
• Respond to staff inquiries received through designated compliance mailboxes, providing guidance, support, and assistance with processes and documentation needs.
• Ensure HMDA data accuracy by reviewing AI vendor reports, completing monthly/quarterly/annual batch edit and scrub reviews, and maintaining accurate HMDA LAR information, including unique loan types (CRA Purchases, Assumptions, Release of Liabilities, Repurchased Loans).
• Maintain and update the UCMS HMDA Source Document list and departmental procedures.
• Monitor the Notice of Incompleteness (NOI) process for regulatory compliance.
• Review and respond to audit findings from UCB Compliance, Internal Audit, state/federal examiners, HUD, quality control vendor and other external parties.
• Attend monthly meetings with UCB Compliance and compliance vendors to discuss current issues and processes.
• Identify areas and advise where additional compliance training is needed; develop and participate in new‑hire and ongoing training for MLOs and other mortgage employees.
• Review mortgage‑related social media posts to ensure compliance with regulations and company policy.
• Stay informed on mortgage products, programs, investor guidelines, and regulatory requirements; complete all required training courses.

Requirements For Success

• 2+ years of experience in loan compliance required or the equivalent in mortgage experience
• Excellent verbal and communication skills
• HMDA/disclosure experience preferred
• Excellent organizational and time management skills
• Proficient at Word, Excel, with experience in Encompass and PowerPoint preferred

Conditions of Employment

• Must be able to pass a criminal background & credit check
• This is a full-time remote position

FLSA Status: Non-Exempt

Ready to take your career to the next level? Apply now and become a vital part of our team!

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range