Senior Lending Compliance Specialist

Bank of Utah; Lehi (UT); On-site; USD 90,000 - 130,000; Full time

Job summary

Bank of Utah in Lehi, UT is seeking a Lending Compliance Specialist III to lead regulatory compliance for consumer lending and mortgage activities. The role requires deep knowledge of RESPA, TILA, ECOA, HMDA, and related rules, with strong communication and collaboration skills.

You will manage mortgage quality control audits, prefund and cancelled file reviews, HMDA reporting, and marketing compliance. A CRCM certification is preferred, with a Monday–Friday schedule in Lehi.

Qualifications

• 7 to 10 years relevant experience in banking or lending/compliance.
• Expert knowledge of RESPA, TILA, ECOA, FCRA, GLBA, HMDA, SAFE Act, Fair Lending, Reg Z, Reg B, Reg E, BSA/AML, UDAAP, MLA and SCRA.
• Expert knowledge of mortgage investors (FNMA/FHLMC) eligibility requirements and underwriting guidelines; regulatory compliance; and standard auditing procedures.
• Excellent written and oral communication skills – ability to research and communicate regulatory information clearly.
• Proactively seek solutions for compliance changes/updates.
• Work well with others to coordinate and motivate staff.
• Excellent time management and prioritization of projects.
• CRCM preferred.

Responsibilities

• Manage Mortgage Quality Control audits per the Bank’s Quality Control Plan.
• Assist in Prefunding Quality Control audits timely.
• Manage Cancelled File Quality Control audits.
• Maintain and update the Mortgage Quality Control Plan in coordination with Compliance management.
• Submit the Bank's HMDA LAR to the CFPB and monitor HMDA data quality.
• Oversee Appraisal Management monitoring and integrity.
• Monitor Consumer Lending Products for regulatory compliance.
• Coordinate Marketing/Advertising Compliance reviews and approvals.
• Run Compliance Monitoring Program across lending products and services.
• Assist in policy updates and training on regulatory changes.
• Attend mortgage operations/compliance meetings and webinars.

Skills

Regulatory compliance

Regulatory knowledge

Written communication

Oral communication

Collaboration

Time management

Problem solving

Education

CRCM preferred

Job description

Bank of Utah in Lehi, UT is seeking a Lending Compliance Specialist III to lead regulatory compliance for consumer lending and mortgage activities. The role requires deep knowledge of RESPA, TILA, ECOA, HMDA, and related rules, with strong communication and collaboration skills.

You will manage mortgage quality control audits, prefund and cancelled file reviews, HMDA reporting, and marketing compliance. A CRCM certification is preferred, with a Monday–Friday schedule in Lehi.