Mortgage Compliance Specialist II (Finance)

Are you detail-oriented and passionate about regulatory compliance? Become a Mortgage Compliance Specialist II at Royal Credit Union! In this role, you'll ensure mortgage quality control, support secondary market loan delivery, and help maintain compliance with federal regulations. Join a team where your analytical skills and commitment to accuracy make a real impact.

Why Royal?

• Member and Community Focused: We are dedicated to making a positive impact on our Members and the communities we serve, going beyond financial services to enrich lives and foster growth.
• Supportive Environment: Join a collaborative, values-driven workplace that is always evolving. We support each other and work together to achieve our goals.
• Professional Growth: We offer numerous opportunities for training and advancement, helping you continuously develop and advance your skills.
• Empowerment: We empower our team members to make decisions and drive initiatives that help our Members achieve their financial goals. Your ideas and contributions are valued and encouraged.
• Community Involvement: Engage with your local community through various initiatives and events, making a tangible difference where you live and work. Be part of something bigger.

What You'll Do:

Creates policies and procedures and performs requirements for mortgage quality control (pre-closing, postclosing and TRID, Home Mortgage Disclosure Act, Regulatory Audits, Safe Act, Reg B, Appraisals, Loan Application Register, Flood and Mortgage fair lending system reviews that help to discover errors and omissions to provide accurate and timely feedback and recommendations to management. Assist with loan deliveries to the secondary market and monitor documentation requirements for delayed delivery. Responsible for importing LOS (Loan Originating System) data into HMDA reporting software, data review, and timely reporting.

Our Commitment To You:

• Compensation: $63,980.80 - $73,569.60 annually (candidates with significant related experience may be higher)
• Benefits: Royal is proud to take care of our team members and their families! In addition to our comprehensive medical, dental, and vision insurance plans, Royal offers a 5% 401k employer match, paid family and sick leave, vacation and sick time accruals, childcare reimbursement, tuition and student loan debt assistance, pet insurance, and much more!

What's Needed For This Position:

• Associate's Degree or the equivalent in experience in business, finance, or accounting
• Three years of applicable mortgage lending, processing, or underwriting experience OR financial compliance regulatory experience
• Experience with Mortgage Management Software systems (Blue Sage LOS, NContracts Fair Lending, and QuestSoft HMDA Relief)
• Must be bondable

Knowledge, Skills and Competencies:

• Deep understanding of mortgage compliance regulations including HMDA, TRID, ECOA, Reg Z, and RESPA, with the ability to audit and interpret data for accuracy and compliance.
• Proficient in using loan origination systems and mortgage management software, with strong analytical skills to identify and resolve discrepancies.
• Exceptional written and verbal communication skills, with the ability to write reports, document procedures, and present findings clearly.
• Highly organized and detail-oriented, capable of managing multiple tasks and deadlines in a high-volume environment while maintaining confidentiality.
• Technologically adept, with working knowledge of Microsoft Word and Excel, and the ability to quickly learn and use Royal's digital tools across devices.

Work Schedule:

• Full-time, working approximately 40 hours per week. Hours are between 8:00am-5:00pm Monday through Friday with additional hours as needed.

Training:

• Prior to starting a normal work schedule, new Royal team members must attend Foundation Training at our Corporate Center in Eau Claire, WI from 9:00am - 4:30pm on Monday and Tuesday during their first week of employment. Out of town learners will be reimbursed costs related to travel and lodging.
• Foundation Training covers fundamental information about Royal's culture and core values which sets the stage for team members to be successful within our organization.

Ready to make a positive impact? APPLY NOW if you are ready to take on this exciting challenge to contribute to our mission and become a part of the Royal Credit Union family!