Compliance Analyst II, Licensing

San Diego, CA, United States

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.

Position Summary

Responsible for supporting Compliance Department Management to ensure the company is operating in accordance with applicable laws. Ensure Guild remains in good standing with state and federal government agencies including Secretary of State offices, state regulatory agencies, CFPB, and Guild's investors. Review, monitor, and renew Company, branch, and loan originator licenses through the Nationwide Mortgage Licensing System (NMLS), review federal and state legislative changes, complete annual reports, and mortgage call reports.

Essential Functions

* Work with Compliance Department Management to identify and analyze areas of risk to the business.

* Think critically about changes in regulations that impact the business and Compliance processes, and recommend changes to management to minimize risk.

* Prepare and submit applications for mortgage lender or general business licensing for the company. Identify changes to filing requirements and inform management.

* Prepare and submit city and state license filings for branch office openings, closings and address changes. Identify changes to filing requirements and inform management.

* Prepare and submit monthly, quarterly, and annual reports and license renewals (city/county and state). Identify changes to filing requirements and inform management.

* Monitor and renew existing company, branch, and loan originator licenses. Provide guidance to Loan Officers, Branch Managers and Production regarding licensing matters.

* Maintain tracking system to monitor for deadlines and due dates of various filings and renewals, including license and surety bond spreadsheets.

* Assist in filing and processing the mortgage call report quarterly. Notify department manager of any issues encountered during the filing process.

* Provide responsive, courteous and knowledgeable service to Branches and internal departments.

* Use computers to conduct to conduct research, including proprietary systems, subscriber databases and internet resources to resolve issues and verify compliance with regulations.

* Prepare and verify that complete files, including supporting documentation, are retained in accordance with required retention periods.

* Escalate issues that represent higher risk/fall outside of scope of responsibility.

* Provide guidance and training to less experienced team members.

* Identify and stay current on changes in industry regulations that impact work product. Ensure internal systems are updated as regulations change.

* Think critically about changes in regulations that impact the business and Compliance processes, and recommend changes to the Compliance Manager to minimize risk.

* Provide input to update internal procedures, documents and systems.

* Perform other duties are assigned.

Qualifications

* High school diploma or equivalent required; a Bachelor's degree and coursework related to Business, Finance and/or Legal is preferred.

* Highly prefer experience with analyzing data, including, but not limited to the Mortgage Call Report and state-specific mortgage related activity reports.

* A minimum of two years or more of compliance experience required; consumer lending compliance experience is preferred.

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

* Strong verbal and written communication skills.

* Strong detail orientation and highly organized.

* 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.

* Prior experience using PDF/Adobe programs and Microsoft Word, Excel and PowerPoint. More advanced skill in the use of Excel is preferred.

* Basic math skills.

Supervision

* Depending on experience, close to moderate supervision of work

* Depending on experience, low to moderate independent judgment and discretion used in decision-making

* Follows procedures/checklists

* Escalates issues that fall outside guidelines or experience

* Uses sound judgment in executing core job responsibilities

* Supervisor may assign project work related to internal system update testing and auditing

* Travel: 0% - 10%

Requirements

Physical: Work is primarily sedentary; occasionally walks and/or stands.

Manual Dexterity: Frequent use of computer keyboard and mouse.

Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.

Environmental: Office environment - no substantial exposure to adverse environmental conditions.

Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.

Guild Mortgage Company is an Equal Opportunity Employer.

Targeted Salary: $26.44/hour to $40.86/hour

Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.

#J-18808-Ljbffr