Compliance Representative- Compliance Testing Analyst

Village Capital & Investment; Henderson (NV); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

401(k) matching

Dental insurance

Health insurance

Health savings account

Life insurance

Paid time off

Vision insurance

Job summary

Village Capital & Investment LLC is seeking a Compliance Testing Analyst to perform compliance testing across the mortgage lifecycle, including origination, underwriting, servicing, and default servicing. The role emphasizes applying federal/state mortgage laws, agency guidelines, and investor requirements to evaluate controls and ensure regulatory adherence.

The ideal candidate will review files, data, and documentation, identify violations or gaps, and communicate findings with stakeholders.

Qualifications

• Experience in mortgage compliance auditing or related regulatory functions.
• Experience with end-to-end mortgage lifecycle: origination, underwriting, servicing, and default management.
• Strong analytical, investigative, organizational, and critical-thinking skills.
• Proficiency in creating clear, concise audit findings and reports.

Responsibilities

• Plan and conduct compliance testing reviews across mortgage origination, underwriting, closing, post-closing, servicing, and default servicing activities.
• Review loan files and system data for compliance with regulatory requirements.
• Evaluate compliance with Ginnie Mae, FHA/HUD, USDA Rural Development, Fannie Mae, and other agency guidelines.
• Prepare audit scopes, testing procedures, and evidence requirements; document findings and remediation actions.

Skills

Mortgage compliance auditing

Data analytics

Regulatory knowledge

Audit reporting

Communication skills

Tools

MSP/Black Knight

Encompass

LoanSphere

MERS

Job description

Job Title: Compliance Representative- Compliance Testing Analyst

Company: Village Capital & Investment LLC

Location: Henderson, NV

Employee Type: Full-Time

Introduction:

Village Capital is a well-established nationwide mortgage lender committed to delivering a fast, efficient, and high-quality mortgage experience to our customers and business partners. Specializing in FHA, VA, and USDA loans, we work closely with loan originators, brokers, and correspondents to provide competitive rates and flexible terms. Our headquarters are located in Henderson, NV, and we continue to grow with a strong focus on service, compliance, and operational excellence.

Key Responsibilities:

• Plan and conduct compliance testing reviews covering mortgage origination, underwriting, closing, post-closing, servicing, default servicing activities.
• Review loan files, servicing records, system data, correspondence, reports, and supporting documentation for compliance with applicable requirements.
• Evaluate compliance with Ginnie Mae, FHA/HUD, USDA Rural Development, Fannie Mae, and other applicable agency or investor guidelines.
• Interpret federal and state mortgage laws, regulations, agency guidance, servicing requirements, and investor directives when conducting audits and evaluating results.
• Review operational processes for compliance with applicable requirements, including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, FCRA/Regulation V, HMDA/Regulation C, SCRA, FDCPA, UDAAP, fair lending, privacy, and state mortgage laws.
• Develop audit scopes, testing procedures, sampling methodologies, workpapers, and evidence requirements based on identified criteria.
• Perform transactional loan-file testing and validate system data across Encompass, MSP, LoanSphere, MERS, and related mortgage platforms.
• Evaluate servicing functions such as payment processing, escrow administration, borrower communications, complaints, credit reporting, loss mitigation, foreclosure, bankruptcy, payoff processing, lien releases, and investor reporting.
• Identify regulatory violations, control deficiencies, documentation gaps, process inconsistencies, and potential consumer harm.
• Distinguish isolated exceptions from systemic or repeat issues and assess the severity, root cause, and potential impact of findings.
• Prepare clear, well-supported audit reports that describe the requirement, condition, cause, risk, and recommended corrective action.
• Discuss findings with process owners and management, resolve factual questions, and obtain management responses and remediation commitments.
• Collaborate with the Compliance Management Team on corrective-action plans through completion and validate that remediation is timely, sustainable, and effective.
• Maintain complete, accurate, and audit-ready documentation supporting all testing, conclusions, and findings.

Required Qualifications:

• Two or more years of experience in mortgage compliance auditing, mortgage quality control, internal audit, regulatory compliance, or a closely related mortgage function.
• Practical experience with mortgage origination, underwriting, servicing, and quality-control processes.
• Experience reviewing loan activity across the full mortgage lifecycle, from application and underwriting through servicing, default management, and loan resolution.
• Experience with data analytics, exception reporting, issue management, automated controls, or system-based audit testing.
• Demonstrated ability to read, interpret, and apply mortgage regulations, agency handbooks, investor guidelines, bulletins, and contractual requirements.
• Working knowledge of requirements applicable to:

• Ginnie Mae issuers and servicers
• FHA-insured mortgage loans and HUD Handbook 4000.1
• USDA Rural Development guaranteed loans
• Fannie Mae selling and servicing requirements
• Federal consumer financial protection laws and regulations
• Applicable state origination and servicing requirements

• Experience using or auditing information maintained in:

• MSP/Black Knight
• Encompass
• LoanSphere
• MERS

• Experience performing transactional testing, loan-file reviews, process walkthroughs, control assessments, and root-cause analysis.
• Ability to reach defensible conclusions using regulatory and documentary evidence.
• Strong analytical, investigative, organizational, and critical-thinking skills.
• Strong written communication skills, including the ability to prepare concise and well-supported audit findings.
• Ability to communicate difficult findings professionally and work collaboratively with employees at all organizational levels.
• Ability to manage multiple audits, deadlines, and corrective-action items while maintaining accuracy and independence.
• Proficiency with Microsoft Office or Google Workspace, including spreadsheets used for audit testing, data analysis, and findings tracking.

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Position Summary:

We are seeking an experienced Compliance Testing Analyst with a strong background in mortgage origination, underwriting, servicing, and quality control. This position will conduct compliance testing audits and reviews to evaluate adherence to federal and state mortgage regulations, agency and investor requirements, company policies, and established internal controls.

The ideal candidate can independently interpret complex mortgage requirements, translate those requirements into practical audit criteria, identify control weaknesses and regulatory risks, and communicate findings clearly to business leaders. The position requires experience reviewing loan activity across the full mortgage lifecycle, from application and underwriting through servicing, default management, and loan resolution.