JOB SUMMARYThe Sr. Mortgage Loan Compliance Analyst plays an important role in helping Wings maintain strong, compliant, and effective mortgage lending practices. Partnering closely with the Manager of Compliance and Quality Control, this position provides independent oversight of mortgage loan quality, regulatory compliance, and credit risk across the lending lifecycle.In this role, you’ll review lending processes, systems, reports, and loan documentation to ensure alignment with internal standards and applicable regulatory, governmental, investor, and secondary market requirements. You’ll stay current on evolving compliance and credit requirements, identify potential risks or process gaps, and help translate those insights into practical improvements to policies, procedures, training, and technology.Just as importantly, you’ll work collaboratively with Mortgage Lending leaders, Compliance partners, vendors, and training teams to understand trends, address recurring findings, and strengthen the processes that 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 clearly to appropriate partners.Compliance Guidance & Process ImprovementServe as a resource for mortgage compliance questions involving disclosures, rate-lock requirements, compliance engine findings, adverse actions, HMDA, and other lending requirements.Research applicable regulations and guidelines and translate requirements into practical guidance for business partners.Recommend updates to policies and procedures and evaluate lending processes and systems for potential compliance gaps or opportunities for improvement.Review HMDA reporting for quality, accuracy, and validity.Quality Control & Vendor OversightProvide oversight of third-party quality control vendors supporting the Compliance function, including monitoring timeliness, accuracy, service levels, findings, and rebuttal processes.Analyze and consolidate quality-control findings to identify trends, recurring issues, and potential training or process-development needs across mortgage origination, processing, underwriting, closing, and servicing.Support compliance-related vendor projects by developing timelines and questionnaires and partnering with project leads, managers, and vendor-selection partners.Training, Mentorship & Team SupportPartner with the department manager to support the development and mentorship of junior Compliance staff and temporary employees.Coordinate training, resources, workstation setup, and work responsibilities as needed.Help turn audit and quality-control findings into practical learning opportunities and stronger processes.Delinquency Quality ControlSupport quality-control oversight for conventional, FHA, and VA loan products.Perform independent reviews of Collections activities and provide reporting on identified deficiencies, including their significance and potential risk.Partner with appropriate teams to help ensure quality-control efforts effectively identify and address areas of concern.Annual Audit & RecertificationLead the collection and coordination of 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.Partner across Mortgage Lending and Compliance to identify and address 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.
