Sr Analyst, Compliance & Licensing

Kiavi Funding, Inc.; Pittsburgh (Allegheny County); Remote; USD 82,000 - 120,000; Full time

Job summary

A well-established financial company is seeking a Sr. Analyst for Compliance and Licensing. This fully remote role entails managing mortgage lending licenses and ensuring compliance with state laws. The ideal candidate will have several years of experience in regulatory environments and a strong understanding of licensing requirements. Kiavi offers competitive compensation, flexible work options, and comprehensive benefits.

Benefits

Medical, Dental, and Vision Insurance

Health Savings Account (HSA)

Disability and Life Insurance

Flexible Time Off

401(k) & Company Match

Qualifications

• 3-5 years experience in legal, compliance or operations with focus on state lending.
• Knowledge of NMLS and mortgage banking.
• Ability to communicate effectively with cross-functional partners.

Responsibilities

• Manage company licenses and regulatory examinations.
• Lead loan originator licensing and ensure compliance.
• Conduct research on state law requirements.

Skills

Compliance Management

Regulatory Knowledge

Communication

Job description

Kiavi is one of the nation’s largest private lenders to residential real estate investors (REIs). We harness the power of data & technology to offer our customers a simpler, more reliable, and faster way to access the capital they need to scale their businesses.

Formerly known as LendingHome, we’re committed to helping REIs revitalize the approximately $25 trillion worth of aged U.S. housing stock to provide move-in ready homes and rental housing for millions of Americans across the country.

Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards, Best Digital Mortgage Platform, Fast Company’s Most Innovative Companies, and many more .

• Loans Funded: $22 billion in loans funded
• Homes financed: 71,000+ projects funded for our customers across the country
• Geography: 31 states + D.C. where we lend to REIs so they can revitalize neighborhoods
• Employees: Over 400 employees with competitive benefits and perks

This position can be based remotely in any of our approved hiring regions. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them.

The Team

Legal and Compliance is responsible for managing a wide variety of legal and compliance matters for the company, including licensing.

The Role

Sr. Analyst, Compliance and Licensing, is an integral role that will manage all (i) company mortgage lending, servicing, and brokering licenses as well as the regulatory examinations related to such licenses and (ii) employee mortgage originator licenses. In addition, Sr. Analyst, Compliance and Licensing, will be responsible for managing new product licensing requirements, such as real estate broker and sales persons licensing as may be required for new product offerings. Sr. Analyst, Compliance and Licensing, will also manage regulatory updates and support various legal and compliance projects, including external audits, annual and new hire compliance training, procurement, legal research, and company operations related to fair lending regulations (e.g. ECOA).

The ideal candidate should have knowledge of the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), familiarity with interaction with regulators, experience in responding to and managing state examinations, and experience in managing mortgage licenses including new applications, renewals and reporting requirements.

Responsibilities

• Manage company licenses, branch licenses and loan officer licenses, including new applications, surrenders, terminations, amended filings, transfers using the NMLS and/or state specific regulatory websites
• Lead processes for loan originator licensing, renewals and monitoring of continuing education, including for qualified individuals and company owners
• Research state law requirements to ensure Kiavi is properly registered and licensed to conduct business in new states we may do business in
• Work closely with sales personnel to ensure individual licensing is obtained and maintained to offer Kiavi products
• Assist with mortgage call reports
• Lead periodic state specific and federal reports
• Track legislative and administrative activities in key issue areas. Ensure applicable changes are assigned to appropriate team members and follow up for proper implementation
• Partner with internal stakeholders to ensure state licensing and reporting requirements are satisfied
• Determine and obtain appropriate types and amounts of relevant corporate and individual bond coverage to cover risks to Kiavi and Kiavi personnel
• Serve as primary point of contact for state examinations, including but not limited to, obtaining and reviewing all requested materials for the examination, reviewing and drafting response to examination results and ensuring any fees are paid timely
• Ensure reporting for state requirements is accurate and submitted in a timely manner
• Ensure Kiavi’s compliance with state usury, disclosure, insurance and other lending laws
• Conduct ad hoc research on relevant state or federal laws
• Develop and maintain management reporting of licensing status and activities
• Draft Policies and Procedures
• Assist with additional legal/compliance tasks as needed, including procurement, and compliance monitoring/testing

Qualifications

• 3-5 years of experience supporting a legal, compliance or operations team with focus on state lending laws or state licensing
• Knowledge of NMLS and reporting requirements
• Demonstrated knowledge in mortgage banking or regulatory compliance (ECOA, FCRA, BSA/AML, HMDA)
• Experience interacting with regulators/state examiners preferred
• Ability to work with and communicate effectively with cross functional partners
• Enthusiasm for taking on new responsibilities, even if outside areas of expertise
• Able to work independently and problem solve autonomously in fast-paced environment
• Ability to think critically and creatively to solve problems

Kiavi takes a market-based approach to pay, and pay may vary depending on your location. The expected annualized base pay range for this full-time role to be performed remotely is 82K - 120K plus 5% bonus determined based on job-related skills, experience, qualifications, work location, and market conditions. Your recruiter can share more about the specific base pay range for your preferred location during the hiring process. Please note that the pay range listed above reflects the base salary only, and does not include the target value of bonus [remove if not applicable], equity, or benefits.

Benefits and Perks

• Medical, Dental, and Vision Insurance: Kiavi offers free employee-only coverage for medical, dental, and vision plans. Dependents receive a heavily discounted premium, competitively placed in the 90th percentile for cost.
• Health Savings Account (HSA): For those enrolled in a High Deductible Health Plan (HDHP), Kiavi provides an annual employer contribution to HSAs: $500 for individual coverage and $1,000 for dependents.
• Disability and Life Insurance: Immediate access to short-term and long-term disability insurance, as well as group life and AD&D insurance, with coverage at 1x annual salary.
• Remote Work Policy:Kiavi supports working remotely for day to day activities for most roles and occasionally may ask employees to gather in person for key meetings, trainings, team building etc. For remote workers, Kiavi offers a one-time office setup reimbursement of up to $500 and a monthly $85 stipend for internet and phone expenses. For in-office workers, Kiavi offers employer contributions to commuter benefits account, either for parking or public transportation.
• Flexible Time Off: Employees are empowered to manage their own time off, with no strict limits, as long as it's approved by their manager.
• Paid Leaves: Up to 8 weeks of paid leave for medical or caregiver purposes, and 12 weeks of paid maternity/paternity leave. Short-term disability leave is also available for birthing mothers.
• 401(k) & Company Match: A 401(k) plan managed by Fidelity, with Kiavi matching 100% of contributions up to 3% of compensation or $6,000 (whichever is less). All employer contributions are immediately vested.

Protect yourself from recruitment scams:

• If you are offered an interview or a role with Kiavi, this will be communicated with you through email, via an official email address ending in @kiavi.com or @lendinghome.com.
• You will never be asked for payments of any kind during the process.
• We also never communicate with candidates via Whatsapp at any point during the recruitment process.
• We won’t ask for personal information or data via text message. If you have any concerns regarding how genuine a text message is, please contact your recruiter.
• You can find our official Kiavi careers page here . We advise you to check that the page details and website addresses match if you have any concerns.

Interested in building your career at Kiavi? Get future opportunities sent straight to your email.

Apply for this job

*

indicates a required field

First Name *

Last Name *

Email *

Phone *

Resume/CV *

Enter manually

Accepted file types: pdf, doc, docx, txt, rtf

Are you legally authorized to work in the United States? * Select...

Will you now or in the future require sponsorship for employment visa status (e.g., H-1B visa status)? * Select...

How did you hear about Kiavi? *

Have you signed any non-compete or non-solicitation agreements that would prevent you from taking a position with Kiavi? * Select...

LinkedIn Profile

Where are you located? * Select...

Do you have 3+ years of experience supporting a legal, compliance or operations team with focus on state lending laws or state licensing * Select...

Do you have experience managing company licenses, branch licenses and loan officer licenses, including new applications, surrenders, terminations, amended filings, transfers using the NMLS and/or state specific regulatory websites? * Select...

Please share more about your licensing experience: *

Do you have knowledge of NMLS and reporting requirements? * Select...

Do you have knowledge in mortgage banking or regulatory compliance (ECOA, FCRA, BSA/AML, HMDA) ? *

ECOA

FCRA

BSA/AML

HMDA

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Kiavi’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305

Page 1 of 1

OMB Control Number 1250-0005

Expires 04/30/2026

Voluntary Self-Identification of Disability

Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026
Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp .

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

• Alcohol or other substance use disorder (not currently using drugs illegally)
• Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
• Blind or low vision
• Cancer (past or present)
• Cardiovascular or heart disease
• Celiac disease
• Cerebral palsy
• Deaf or serious difficulty hearing
• Diabetes
• Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
• Epilepsy or other seizure disorder
• Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
• Intellectual or developmental disability
• Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
• Missing limbs or partially missing limbs
• Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
• Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
• Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
• Partial or complete paralysis (any cause)
• Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
• Short stature (dwarfism)
• Traumatic brain injury

Disability Status Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.