Mortgage Loan Compliance Analyst

Wings Credit Union; Colorado Springs (CO); On-site; USD 51,000 - 61,000; Full time

Benefits offered by this job

Health Insurance

Vision Insurance

Life Insurance

Short Term Disability

Long Term Disability

Health Savings Account

Employee Assistance Program

Paid Vacation

Paid Sick Leave

Floating Holidays

Volunteer Time Off

Paid Holidays

Tuition Reimbursement

Paid Parental Leave

Job summary

Wings Credit Union seeks a Mortgage Loan Compliance Analyst to support compliant mortgage lending practices and regulatory alignment across the lending lifecycle. You will partner with Compliance leadership to review documentation, disclosures, and processes, identifying gaps and providing practical updates.

Role responsibilities include HMDA quality checks, research on regulations, and coordination with lenders, vendors, and training teams to strengthen processes and protect members and the

Qualifications

• Associate's degree or higher in finance, business, or related field.
• 3+ years' first mortgage loan experience required.
• 2+ years' first mortgage loan auditing/QA experience preferred.
• 6+ months in a credit union setting preferred.

Responsibilities

• Conduct independent reviews of mortgage loans per agency guidelines across pre-funding, closing, post-closing, and servicing.
• Review loan activity to ensure compliance with investor, FHA/VA, and regulatory requirements.
• Translate regulations into practical guidance and updates to policies and procedures.
• Support third‑party quality control vendors and analyze findings for trends and training needs.
• Assist with HMDA reporting quality, accuracy, and validity.

Skills

Mortgage compliance

Regulatory research

Risk assessment

Policy development

Microsoft Office

Communication skills

Detail oriented

Education

Associate's Degree in Finance or Business

Tools

Mortgage lending systems

Microsoft Word

Excel

Outlook

Job description

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger, click here .

Job Description

The Mortgage Loan Compliance Analyst plays an important role in helping Wings maintain strong, compliant, and effective mortgage lending practices. Partnering with Compliance leadership and Senior Mortgage Loan Compliance Analysts, this position provides independent review of mortgage loan quality, regulatory compliance, and credit risk across the lending lifecycle.

In this role, you’ll review mortgage loan documentation, lending processes, reports, and systems to help ensure alignment with internal standards and applicable regulatory, governmental, investor, and secondary market requirements. You’ll research evolving compliance and credit requirements, identify potential risks or process gaps, and help translate findings into practical updates to policies, procedures, action plans, and training.

You’ll also work collaboratively with Mortgage Lending leaders, Compliance partners, vendors, supervisors, and training teams to understand recurring findings and help develop solutions that strengthen our processes and support both our members and the organization.

ESSENTIAL FUNCTIONS

Mortgage Loan Quality & Compliance Reviews

• Conduct independent reviews of mortgage loans in accordance with applicable agency and investor guidelines, including pre-funding, closing, post-closing, servicing, and adverse-action reviews.
• Review loan activity across origination, processing, underwriting, closing, and servicing to assess alignment with investor, FHA, VA, and regulatory requirements.
• Identify potential compliance, credit, documentation, or process concerns and communicate findings to appropriate partners.

Compliance Research & Process Support

• Research mortgage compliance questions involving disclosures, rate-lock requirements, compliance engine findings, adverse actions, HMDA, and other lending requirements.
• Help translate regulations and guidelines into practical guidance for business partners.
• Recommend updates to policies and procedures based on regulatory changes, audit findings, and identified process gaps.
• Review lending processes and systems for potential compliance weaknesses and support appropriate corrective actions.
• Review HMDA reporting for quality, accuracy, and validity.

Quality Control & Vendor Coordination

• Support oversight of third-party quality control vendors serving the Compliance function, including review of contracts, policies, timeliness, accuracy, findings, service levels, and rebuttal activity.
• Compile and analyze quality-control findings to help identify trends, recurring deficiencies, and potential training or process-development needs.
• Partner with Compliance leadership and business teams to help ensure third-party vendors meet established expectations and service-level requirements.

Delinquency Quality Control

• Support quality-control efforts for conventional, FHA, and VA loan products.
• Perform independent reviews of Collections activities and provide reporting on identified deficiencies and their potential significance.
• Partner with appropriate teams to help identify and address recurring quality or compliance concerns.
• Assist with collecting and coordinating documentation required for annual internal audits and recertification activities.
• Help maintain the standards and documentation necessary to support mortgage investor relationships and continued loan-origination authorization.
• Support Mortgage Lending and Compliance partners in identifying and addressing issues that could create regulatory, credit, compliance, or operational risk.

BANK SECRECY ACT

• Remain knowledgeable of and adhere to Wings policies, procedures, and applicable Bank Secrecy Act requirements.

Qualifications

Minimum Formal Qualifications for this Position:

• Associate's Degree in Finance, Business Administration, or similar. preferred
• 3+ years' of first mortgage loan experience. Required
• 2+ years' first mortgage loan auditing / quality assurance experience with mortgage lending systems. preferred
• 6+ months Experience in a Credit Union setting. preferred

Technical or Specialized Knowledge/Skills:

• Strong aptitude for analytical work to include legal and regulatory research, documentation of findings, risk analysis, policy development, etc. Strong reading comprehension of technical/regulatory documentation is required.
• Working knowledge of first mortgage products including conventional, FHA, VA, construction, land, portfolio, and investment properties.
• Knowledge of federal and state lending regulations.
• Knowledge of governmental and secondary market guidelines.
• Knowledge of Ent mortgage lending policies and procedures.
• Knowledge of all mortgage lending positions and functions.
• Initiative to meet and/or exceed job standards and willingness to take on other tasks that are not part of their regular job.
• Organized, detail oriented, flexible, and able to multi-task in a dynamic environment.
• Self-motivated.
• Excellent written and oral communication skills.
• Excellent interpersonal skills.
• Aptitude to work concurrently on multiple projects.
• Aptitude to work independently with very minimal direction.
• Aptitude to coach staff with clear and concise written and/or verbal communication.
• Aptitude to give oral presentations to a group.
• Ability to hold information in strict confidence.
• Extensive knowledge of Microsoft Office to include Microsoft Word, Excel, and Outlook.

Certifications Required:

• None

Additional Information

PAY RANGE: $37 to $44 per Hour (S15) + 10% annual target bonus

Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.

BENEFITS:

• Generous 401(k) match
• 401k Discretionary Profit Sharing
• Health Insurance
• Vision Insurance
• Life Insurance
• Short Term and Long Term Disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
• Paid Holidays
• Tuition Reimbursement
• Paid Parental Leave

  We anticipate this position to close on 11/6/2026. Please submit your application at your earliest convenience to be considered.

  Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

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