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Guild Mortgage · 1 day ago

Compliance Analyst II, Fair Lending

United States

Full-time

Remote

Mid Level

$55K/yr - $83K/yr

3+ years exp

Guild Mortgage Company is a mortgage banking firm dedicated to serving homeowners and buyers. The Compliance Analyst II, Fair Lending is responsible for ensuring compliance with fair lending laws, analyzing lending data for risks, and providing training on fair lending practices.

Consumer LendingLendingMortgageReal Estate

Responsibilities

Support the identification, measurement, and mitigation of fair lending compliance risks in the organization

Conduct detailed analysis of mortgage lending data to identify potential fair lending risks

Complete periodic fair lending reviews, including ongoing comparative file reviews, marketing analysis, quality of assistance, exceptions, and redlining reviews

Monitor and evaluate the company’s lending practices to ensure compliance with fair lending laws and regulations

Maintain an ongoing state-specific CRA monitoring program, coordinating business-line efforts in compliance with document retention requirements. Creates, updates, and maintains continuous records of CRA performance

Maintain detailed work papers to support findings from fair lending analyses and prepare clear and concise written reports on fair lending performance to senior management. Ensure appropriate remediation occurs

Develop and implement written policies/procedures and fair lending training programs for staff

Stay updated on changes in fair lending laws and regulations and ensure the company’s practices are aligned

Assist in the preparation for regulatory examinations and audits, including advance preparation, follow-up on issues and observations, and develop written responses as needed

Collaborate with compliance, legal, and business units to address fair lending issues. Maintain relationships for collaboration in developing and monitoring performance goals that meet the company’s fair lending and/or CRA objectives, as well as state-specific requirements

Support various business line projects to address specific fair lending compliance risk issues, working with business leaders to analyze and quantify risks, assess solutions or mitigation activities, and develop remediation plans

Oversee fair-lending related marketing efforts, ensuring that advertising is inclusive, and campaigns promote and focus on compliant fair lending practices

Review and conduct analysis on marketing programs to identify potential compliance fair lending issues, exercise decisions, and resolve independently

Provide support on reviewing advertisements in accordance with applicable laws and regulations

Provide support for the Home Mortgage Disclosure Act (HMDA) compliance program as needed

Maintain proficiency in software tools necessary to complete requisite fair lending analysis

Manage special projects and perform other duties as assigned

Qualification

Fair lending complianceMortgage lending processRegulatory knowledgeData analysisPolicy developmentMicrosoft Office SuiteCustomer serviceCommunication skillsTeamworkOrganizational skills

Required

Bachelors Degree directly related to the position or equivalent, or college courses/technical training related to Business, Finance, Legal or related field, required

Minimum of three years' related work experience required. Experience working in fair lending a plus

Ability to work well independently or within a team

Complete knowledge of various applicable regulations, specifically: TCPA, RESPA, UDAAP, CAN SPAM, SAFE ACT

General knowledge of overall mortgage lending process; prior mortgage, lending or related industry experience

Sound judgment, ability to think critically

Work independently in a fast-paced environment to complete work following procedures

Manage multiple priorities and deadlines; strong sense of urgency and responsiveness

Familiarity with different forms of social media and related applications and websites including how they are accessed and used, along with print, radio and television

Prior experience performing general administrative duties including filing, photocopying, data entry

Excellent verbal and written communication skills

Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required

Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required

Commitment to company values

Customer Service - Proactive attention to each person

Integrity - Do and say what's right

Respect - Treat others with dignity

Collaboration - Listen and work together

Learning - Seek knowledge and strive for improvement

Excellence – Deliver the unexpected