Associate Director, Insurance Compliance

ORIX USA; Texas; On-site; USD 140,000 - 200,000; Full time

Job summary

ORIX USA in Texas seeks an Insurance Compliance Associate Director to lead compliance operations across a commercial loan servicing portfolio, ensuring adherence to investor and regulator requirements while mitigating risk. You will provide strategic leadership, develop team capabilities, and translate complex insurance rules into scalable processes in collaboration with IT, risk, and legal functions.

The role emphasizes audit readiness, policy development, and continuous improvement to protect

Qualifications

• Bachelor's degree or equivalent professional experience.
• 6-10 years of experience in commercial insurance, loan servicing, or a related field.
• Advanced subject matter expertise in insurance coverages (Property, General Liability, Auto, Crime, Flood, Wind/Named Storm, Earthquake).
• Deep understanding of commercial loan servicing insurance requirements and investor guidelines (Fannie Mae, Freddie Mac, FHA/HUD).
• Proven leadership, coaching, and performance management experience.
• Strong understanding of insurance market conditions and portfolio risk implications.
• Experience leading audits, regulatory reviews, and remediation efforts.
• Proficiency in Microsoft Office and familiarity with servicing systems.

Responsibilities

• Lead team execution and monitor performance against SLAs and metrics.
• Establish KPIs, quality controls, and reporting for audit readiness.
• Oversee portfolio risk management and escalation.
• Lead lender and investor audits, including remediation activities.
• Develop policies, procedures, and operating models to support scalability.
• Partner with IT and product teams on process improvements and automation.

Skills

Leadership

Portfolio risk mgmt

Audits

Regulatory compliance

Process improvement

Stakeholder management

Training & coaching

Data analysis

Communication

Excel

Education

Bachelor's degree or equivalent professional experience

Tools

Microsoft Office

Job description

Purpose and Job Summary:

The Insurance Compliance Associate Director is responsible for leading insurance compliance operations across a commercial loan servicing portfolio, ensuring adherence to investor, regulatory, and servicing requirements while proactively mitigating portfolio risk. This role provides strategic leadership over team execution, performance, and process optimization, ensuring consistent delivery against service level agreements and audit standards.

In addition to maintaining subject matter expertise, the Associate Director plays a critical role in driving operational efficiency, developing team capabilities, and leading cross-functional initiatives. This position requires strong leadership, sound judgment, and the ability to translate complex insurance and regulatory requirements into scalable processes that support business objectives and protect the lender's collateral position.

Essential Duties and Responsibilities:

• Lead team execution by managing workloads, aligning resources, and ensuring delivery against established SLAs and performance metrics
• Establish and monitor KPIs, quality control frameworks, and reporting mechanisms to drive performance and audit readiness
• Delegate effectively and empower direct reports to deliver results, providing clear direction, accountability, and support
• Oversee portfolio risk management, including prioritization of high-risk items, non-compliance resolution, and escalation management
• Lead and coordinate lender and investor audits, including preparation, response, and remediation activities
• Manage insurance compliance processes for specialized portfolios, including investor-specific requirements (e.g., Freddie Mac, Fannie Mae, FHA/HUD)
• Serve as a subject matter expert, maintaining a strong understanding of insurance coverage requirements, servicing standards, and evolving market conditions
• Drive development and enhancement of policies, procedures, and operating models to support scalability and efficiency
• Lead implementation of process improvements, technology enhancements, and automation initiatives in partnership with IT and product teams
• Conduct training programs for new hires and ongoing development for team members to ensure consistency and knowledge depth
• Provide coaching, mentorship, and performance management to direct reports, supporting career development and leadership readiness
• Maintain ongoing communication with team members through regular touchpoints to ensure alignment, engagement, and issue resolution
• Partner cross-functionally with internal stakeholders (e.g., servicing, asset management, risk, and legal) to address complex issues and align on priorities
• Translate operational challenges into strategic solutions that reduce risk exposure and improve workflow efficiency
• Contribute to departmental and enterprise-wide strategic initiatives, representing insurance compliance in leadership forums as needed
• Develop and support testing plans for system enhancements, including requirements definition, defect tracking, and user acceptance testing
• Execute lender-placed insurance and remediation strategies to ensure gaps in coverage are addressed and the lender's interest remains protected
• Manage pre-securitized or investor-specific loan requirements, including reporting and delivery of required summaries (e.g., ICT updates)
• Perform additional duties and lead special projects, as assigned
• Travel Requirements - Up to 10%

Education, Skills and Experience:

• Bachelor's degree or equivalent professional experience required
• 6-10 years of experience in commercial insurance, loan servicing, or a related field
• Advanced subject matter expertise in insurance coverages, including Property, General Liability, Auto, Crime, Flood, Wind/Named Storm, and Earthquake
• Deep understanding of commercial loan servicing insurance requirements and investor guidelines (Fannie Mae, Freddie Mac, FHA/HUD, etc.)
• Proven ability to independently assess and mitigate portfolio risk, ensuring compliance with servicing standards and regulatory expectations
• Demonstrated leadership experience managing teams and developing talent, including coaching and performance management
• Strong understanding of insurance market conditions and the ability to assess impact on portfolio risk and compliance strategy
• Experience leading audits, regulatory reviews, and remediation efforts
• Proficiency in Microsoft Office (Excel, Word, Outlook) and familiarity with servicing systems and insurance tracking platforms
• Excellent organizational, analytical, and problem-solving skills with the ability to manage competing priorities in a deadline-driven environment
• Exceptional communication and presentation skills, with the ability to influence stakeholders and translate complex concepts into clear guidance
• Strategic mindset with the ability to drive process improvement, operational efficiency, and scalable solutions
• High degree of emotional intelligence, self-awareness, and leadership presence
• Ability to anti