Compliance Analyst

Champions Funding LLC; Gilbert (AZ); On-site; USD 65,000 - 90,000; Full time

Job summary

Champions Funding LLC is seeking a Compliance Audit Specialist to perform TRID audits and review mortgage files for regulatory conformity. You will gather and organize documentation, support regulatory examinations, and coordinate responses to information requests.

In this role, you will collaborate with compliance, underwriting, closing, and operations teams to resolve findings, monitor open audit items, and maintain thorough records of results and corrective actions.

Qualifications

• 3–5 years of experience in mortgage lending, mortgage compliance, loan auditing, or related mortgage operations role.
• Experience conducting TRID audits and reviewing mortgage loan files for regulatory compliance.
• Experience with Encompass LOS and familiarity with wholesale mortgage lending.
• Exam management or regulatory examination support experience preferred.
• Knowledge of TRID requirements, mortgage disclosures, and applicable federal mortgage regulations.
• Experience identifying compliance discrepancies, documenting findings, and coordinating corrective actions.
• Excellent written and verbal communication skills with the ability to collaborate across multiple departments.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Ability to manage multiple requests, prioritize deadlines, and maintain accurate documentation.
• Ability to work independently while contributing to a fast-paced, team-oriented environment.

Responsibilities

• Conduct TRID audits to evaluate loan files for compliance with applicable disclosure timing, accuracy, and regulatory requirements.
• Review mortgage loan files and supporting documentation to identify potential compliance issues, discrepancies, and areas requiring corrective action.
• Assist with regulatory examinations, audits, and compliance reviews by gathering documentation, organizing records, and coordinating responses to information requests.
• Support exam management activities, including tracking requests, monitoring deadlines, maintaining documentation, and following up with relevant departments.
• Collaborate with compliance, underwriting, closing, and operations teams to research and resolve compliance-related questions and findings.
• Monitor outstanding audit findings and compliance requests to ensure timely follow-up and resolution.
• Maintain accurate records of audit results, examination materials, compliance findings, and corrective actions.
• Assist with identifying trends, recurring issues, and opportunities to improve compliance procedures and operational processes.
• Maintain a working knowledge of applicable mortgage regulations, including TRID requirements, and support adherence to internal policies and procedures.
• Utilize Encompass LOS to review loan information, access documentation, and support compliance auditing activities.
• Support the Compliance team with additional audits, reporting, documentation, and regulatory initiatives as needed.

Job description

Description

• Conduct TRID audits to evaluate loan files for compliance with applicable disclosure timing, accuracy, and regulatory requirements.
• Review mortgage loan files and supporting documentation to identify potential compliance issues, discrepancies, and areas requiring corrective action.
• Assist with regulatory examinations, audits, and compliance reviews by gathering documentation, organizing records, and coordinating responses to information requests.
• Support exam management activities, including tracking requests, monitoring deadlines, maintaining documentation, and following up with relevant departments.
• Collaborate with compliance, underwriting, closing, and operations teams to research and resolve compliance-related questions and findings.
• Monitor outstanding audit findings and compliance requests to ensure timely follow-up and resolution.
• Maintain accurate records of audit results, examination materials, compliance findings, and corrective actions.
• Assist with identifying trends, recurring issues, and opportunities to improve compliance procedures and operational processes.
• Maintain a working knowledge of applicable mortgage regulations, including TRID requirements, and support adherence to internal policies and procedures.
• Utilize Encompass LOS to review loan information, access documentation, and support compliance auditing activities.
• Support the Compliance team with additional audits, reporting, documentation, and regulatory initiatives as needed.

Requirements

• Required: 3–5 years of experience in mortgage lending, mortgage compliance, loan auditing, or a related mortgage operations role.
• Experience conducting TRID audits and reviewing mortgage loan files for regulatory compliance.
• Experience with Encompass LOS and familiarity with wholesale mortgage lending.
• Exam management or regulatory examination support experience preferred.
• Knowledge of TRID requirements, mortgage disclosures, and applicable federal mortgage regulations.
• Experience identifying compliance discrepancies, documenting findings, and coordinating corrective actions.
• Excellent written and verbal communication skills with the ability to collaborate across multiple departments.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Ability to manage multiple requests, prioritize competing deadlines, and maintain accurate documentation.
• Ability to work independently while contributing effectively to a fast-paced, team-oriented environment.