Associate- New role- Lending Compliance

Moody's Analytics; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Moody's Analytics in Bengaluru is seeking a Lending Compliance Specialist to ensure lending operations meet federal/state regulations, investor requirements, and internal policies. The role supports compliance monitoring, quality control reviews, regulatory change management, and remediation across consumer and mortgage lending.

Responsibilities include loan-level reviews, MSQC assessments, pre-funding and post-closing QC, and data-driven reporting.

Qualifications

• Bachelor's degree in business or related area.
• Experience with compliance monitoring, workflow management, quality control, and reporting tools.
• Proficiency in Microsoft Excel, Word, PowerPoint.

Responsibilities

• Conduct loan-level documentation reviews, testing, and compliance assessments using risk-based and random sampling methodologies.
• Perform Mortgage Service Quality Control (MSQC) reviews to evaluate loan origination, underwriting, disclosures, documentation accuracy, and adherence to regulatory requirements.
• Execute pre-funding and post-closing quality control reviews to identify compliance defects and operational risks.
• Perform ongoing quality assurance and continuous monitoring activities through data-driven compliance reporting and exception management.
• Review marketing tickets, regulatory change requests, disclosures, customer communications, new products, and other compliance-related items for regulatory adherence.
• Analyze compliance exceptions, trends, root causes, and recurring findings to support risk mitigation and process improvements.
• Strong understanding of consumer and mortgage lending regulations and investor guidelines (FNMA, FHLMC, FHA, VA).
• Familiarity with regulatory examinations, audit practices, and risk management frameworks.

Skills

Data analysis

Reporting

Compliance monitoring

Workflow management

Quality control

Regulatory knowledge

Lending compliance

Education

Bachelor's degree in business or related area

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

Role Overview:

The Lending Compliance Specialist is responsiblefor ensuring lending operations comply with applicable federal and stateregulations, investor requirements, and internal policies. The role supportscompliance monitoring, quality control reviews, regulatory change management,audit readiness, marketing tickets and remediation efforts across consumer andmortgage lending activities.

Mandatory work from office and US Shift

Key Responsibilities:

Conduct loan-level documentation reviews, transactionaltesting, and compliance assessments using risk-based and random samplingmethodologies.

Perform Mortgage Service Quality Control (MSQC) reviews toevaluate loan origination, underwriting, disclosures, documentation accuracy,and adherence to regulatory and investor requirements.

Execute pre-funding and post-closing quality control reviewsto identify compliance defects, process weaknesses, and operational risks.

Perform ongoing quality assurance and continuous monitoringactivities through data-driven compliance reporting and exception management.

Review marketing tickets, regulatory change requests,disclosures, customer communications, new products, and othercompliance-related work items for adherence to applicable regulations andinternal standards.

Analyze compliance exceptions, trends, root causes, andrecurring findings to support risk mitigation and process improvements.

Strong understanding of consumer and mortgage lendingregulations.

Knowledge of loan origination, underwriting, disclosures,servicing, and quality control processes.

Understanding of FNMA (Fannie Mae), FHLMC (Freddie Mac), FHA,VA, and other investor guidelines.

Familiarity withregulatory examinations, audit practices, and risk management frameworks.

Key Competencies:

Bachelor's degree preferably in business or related area, orequivalent business experience.

Proficiency in Microsoft Excel, Word, PowerPoint.

Experience with compliance monitoring, workflow management,quality control, and reporting tools.

Familiarity with AI-enabled compliance, document review,analytics, or automation solutions.

Strong data analysis and reporting capabilities.