Lending Compliance Analyst

Summary

Join Valon’s Legal, Risk, and Compliance team as a Lending Compliance Analyst and become the lending expert of TRID disclosure timelines. You will work closely with business partners to drive compliance functions, including disclosure reviews and testing, ECOA monitoring, interest rate lock reconciliation, and more. The role requires 3+ years of Encompass experience and a working knowledge of TRID disclosure timelines. Valon offers competitive salary and 401k, comprehensive medical, dental, and vision benefits, commuter benefits, learning and development opportunities, flexible paid time off, 11 company holidays, and 12 weeks of fully paid leave for both birthing and non-birthing parents. The ideal candidate will also have experience with the Vesta LOS and understand MCR and HMDA submission. This position offers a chance to make a meaningful impact in the mortgage industry within a collaborative team.

Requirements

• To be considered for this role, you should have a minimum of 3+ years of Encompass experience
• Understand MCR and HMDA submission
• Have a working knowledge of TRID disclosure timelines
• You can own the administrator role for FHA Connection and VA’s VALERI systems

Responsibilities

• Own and become the lending expert of TRID disclosure timelines
• Understand and assist MLOs on fee analysis
• Monitor for ECOA compliance
• Review and reconcile interest rate locks
• Perform Encompass billing reconciliations
• Review and manage Adverse Action second level reviews
• Monitor and test the lending change management process
• Perform targeted compliance testing as needed
• Assist regulatory submissions of HMDA data and NMLS Call Reports
• Assist with state required reporting as needed

Preferred Qualifications

Experience with the Vesta LOS preferred, but not required

Benefits

• Competitive salary and 401k plan
• We’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
• We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient
• Company wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
• Flexible paid time off, sick days, and 11 company holidays
• 12 weeks off for both birthing and non-birthing parents - fully paid so you can focus your energy on your newest addition