The Mortgage Loan Compliance Analyst plays an important role in helping Wings maintain strong, compliant, and effective mortgage lending practices. Partnering with Compliance leadership and Senior Mortgage Loan Compliance Analysts, this position provides independent review of mortgage loan quality, regulatory compliance, and credit risk across the lending lifecycle.In this role, you’ll review mortgage loan documentation, lending processes, reports, and systems to help ensure alignment with internal standards and applicable regulatory, governmental, investor, and secondary market requirements. You’ll research evolving compliance and credit requirements, identify potential risks or process gaps, and help translate findings into practical updates to policies, procedures, action plans, and training.You’ll also work collaboratively with Mortgage Lending leaders, Compliance partners, vendors, supervisors, and training teams to understand recurring findings and help develop solutions that strengthen our processes and support both our members and the organization. ESSENTIAL FUNCTIONSMortgage Loan Quality & Compliance ReviewsConduct independent reviews of mortgage loans in accordance with applicable agency and investor guidelines, including pre-funding, closing, post-closing, servicing, and adverse-action reviews.Review loan activity across origination, processing, underwriting, closing, and servicing to assess alignment with investor, FHA, VA, and regulatory requirements.Identify potential compliance, credit, documentation, or process concerns and communicate findings to appropriate partners.Compliance Research & Process SupportResearch mortgage compliance questions involving disclosures, rate-lock requirements, compliance engine findings, adverse actions, HMDA, and other lending requirements.Help translate regulations and guidelines into practical guidance for business partners.Recommend updates to policies and procedures based on regulatory changes, audit findings, and identified process gaps.Review lending processes and systems for potential compliance weaknesses and support appropriate corrective actions.Review HMDA reporting for quality, accuracy, and validity.Quality Control & Vendor CoordinationSupport oversight of third-party quality control vendors serving the Compliance function, including review of contracts, policies, timeliness, accuracy, findings, service levels, and rebuttal activity.Compile and analyze quality-control findings to help identify trends, recurring deficiencies, and potential training or process-development needs.Partner with Compliance leadership and business teams to help ensure third-party vendors meet established expectations and service-level requirements.Delinquency Quality ControlSupport quality-control efforts for conventional, FHA, and VA loan products.Perform independent reviews of Collections activities and provide reporting on identified deficiencies and their potential significance.Partner with appropriate teams to help identify and address recurring quality or compliance concerns.Annual Audit & Recertification SupportAssist with collecting and coordinating documentation required for annual internal audits and recertification activities.Help maintain the standards and documentation necessary to support mortgage investor relationships and continued loan-origination authorization.Support Mortgage Lending and Compliance partners in identifying and addressing issues that could create regulatory, credit, compliance, or operational risk.BANK SECRECY ACTRemain knowledgeable of and adhere to Wings policies, procedures, and applicable Bank Secrecy Act requirements.
