Mortgage Compliance Officer

Z Loans; Las Vegas (NV); Híbrido; USD 62.000 - 124.000; A tiempo parcial

Descripción de la vacante

Z Loans, a growing mortgage lender operating in wholesale and retail channels, is seeking an experienced Mortgage Compliance Officer for flexible part-time or freelance engagement in the United States.

The role focuses on overseeing the company’s compliance program across wholesale and retail operations, staying current with CFPB, HUD, FHA, RESPA, TILA, HMDA, FCRA, and related regulations, and guiding management on risk and remediation.

Formación

• 5+ years of mortgage lending compliance experience.
• Strong knowledge of federal and state mortgage regulations.
• Experience conducting compliance audits and file reviews.
• Familiarity with NMLS and state licensing requirements.
• Ability to work independently and provide practical compliance solutions.

Responsabilidades

• Oversee regulatory compliance with federal and state mortgage laws and regulations.
• Monitor licensing, examinations, policies, procedures, and CMS.
• Review mortgage policies, procedures, loan origination, processing, and third-party relationships for compliance.
• Conduct internal compliance reviews/audits and review disclosures and marketing materials.
• Maintain compliance calendars and support regulatory examinations and reporting.

Conocimientos

Regulatory knowledge

NMLS familiarity

Audit/File review

Independent work

Communication skills

Mortgage lending

Herramientas

NMLS system

Descripción del empleo

About the Company

We are a growing mortgage company operating in both the wholesale and retail mortgage lending channels. We are seeking an experienced Mortgage Compliance Officer to provide ongoing compliance oversight, guidance, and support to ensure our operations meet applicable federal and state mortgage lending regulations.

This is an excellent opportunity for an experienced mortgage compliance professional seeking a flexible, part-time or freelance consulting engagement.

Position Overview

The Mortgage Compliance Officer will be responsible for overseeing and monitoring our company's compliance program across both wholesale and retail mortgage operations.

The ideal candidate has strong knowledge of mortgage lending regulations, licensing requirements, regulatory examinations, policies and procedures, and compliance monitoring.

We are looking for someone who can work independently, identify potential compliance risks, provide practical recommendations, and help maintain a strong compliance culture throughout the organization.

Key Responsibilities

Regulatory Compliance

• Monitor compliance with applicable federal and state mortgage lending laws and regulations.
• Maintain familiarity with CFPB, HUD, FHA, Fannie Mae, Freddie Mac, RESPA, TILA, TRID, ECOA, HMDA, FCRA, SAFE Act, and applicable state regulations.
• Monitor changes in mortgage industry regulations and communicate their impact to management.
• Help ensure compliance across wholesale and retail mortgage operations.

Wholesale and Retail Operations

• Review mortgage policies, procedures, and operational practices.
• Monitor compliance with broker, lender, and correspondent relationships, as applicable.
• Review loan origination and processing procedures for compliance concerns.
• Assist with oversight of third-party vendors and business partners.
• Identify potential compliance gaps and recommend corrective actions.

Compliance Monitoring & Auditing

• Conduct periodic internal compliance reviews and audits.
• Review loan files, disclosures, advertisements, and marketing materials.
• Monitor compliance with required disclosures and applicable timelines.
• Identify deficiencies and assist with remediation.
• Maintain compliance documentation and audit records.

Licensing & Regulatory Matters

• Assist with state licensing and renewal requirements.
• Monitor NMLS-related compliance obligations.
• Assist with regulatory examinations, audits, and information requests.
• Maintain compliance calendars and reporting requirements.
• Support the development and updating of compliance policies and procedures.

Training & Management Support

• Provide compliance guidance to employees and management.
• Assist with employee compliance training.
• Advise management regarding regulatory changes and potential risks.
• Help establish and maintain an effective compliance management system (CMS).

Qualifications

• 5+ years of experience in mortgage lending compliance preferred.
• Experience with both wholesale and retail mortgage operations strongly preferred.
• Strong knowledge of federal and state mortgage lending regulations.
• Experience conducting mortgage compliance audits and file reviews.
• Familiarity with NMLS and state mortgage licensing requirements.
• Experience working with mortgage brokers, loan officers, processors, underwriters, and operations teams.
• Strong organizational, analytical, and communication skills.
• Ability to work independently and provide practical compliance solutions.

Engagement Structure

We are open to flexible engagement arrangements based on the candidate's experience, qualifications, and the needs of the company.

Potential arrangements include:

• Part-time employment.
• Independent compliance consulting.
• Freelance or project-based consulting.
• Monthly compliance consulting retainer.
• Remote or hybrid engagement.

The scope of services, compensation, schedule, and engagement terms will be mutually agreed upon.

Employment or independent contractor classification will be determined based on the actual nature of the working relationship and applicable federal and state laws.

We are looking for a knowledgeable, dependable compliance professional who can help us maintain strong regulatory oversight while supporting the growth of our mortgage business.