Middle Market Lending Manager jobs in Fullerton, CA

The Director of Compliance is a key member of the compliance team responsible for maintaining and ensuring compliance with federal and state regulations. Provides oversight and direction to compliance team members and assists with the development, design and implementation of policies, procedures, and processes required to maintain regulatory compliance. Serves as key member in the oversight of lending and servicing operational compliance (including FCRA, ECOA, HMDA, RESPA), and provides support on other projects.  Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Engage with Senior Business Level Officers, Risk Management Personnel, and Legal and Compliance Leaders regarding complex matters to understand business needs, advise, provide guidance, and ensure any process changes are compliant.
• Review and revise policies and procedures proposed by the business to minimize risks and ensure compliance. 
• Build and manage change management programs, including product/system changes and regulatory changes using Governance, Risk and Compliance (GRC) software to manage such changes. Evaluate costs and benefits, make recommendations, and develop and oversee implementation plans.
• Identify, analyze, and escalate any self-identified compliance concerns and provide guidance for resolution. 
• Initiate and develop relationships with key staff throughout the Company and business units.
• Analyze and identify risks and perform analytical reporting and drive corrective actions.
• Research and communicate compliance requirements for new or modified products or services.
• Drive corrective action process, including collaborating across business units to resolve and document issues.
• Serve as subject matter expert to other compliance team members to ensure appropriate compliance support is delivered to the lending and servicing divisions of the Company.
• Participate in cross-functional or cross business teams designed to ensure business compliance with laws, regulations, and policy requirements across key/complex risk levels from inception through implementation.
• Serves as change control project manager utilizing issue management processes and project management methodology from the initiation, planning, control requirements, execution, and closing phases of each issue; end results include improved productivity, technology, processes, cost savings, and/or controls.
• Assist in the completion of compliance documentation and onboarding activities relevant to compliance due diligence.
• Assist with CFPB, state and federal agency, and other regulatory examinations.
• Perform other duties as assigned.

ESSENTIAL KNOWLEDGE, SKILLS, ABILITIES, AND COMPETENCIES:

• Technical knowledge of and ability to use Governance, Risk and Compliance (GRC) software 
• Ability to build technical processes and provide compliance related requirements.
• Advanced knowledge of compliance requirements within the mortgage banking industry.
• Excellent ability to analyze and interpret state and federal regulations
• Demonstrated knowledge and application of laws and regulations such as ECOA, FCRA, UDAAP, HMDA, RESPA.
• Strong knowledge of mortgage products and guidelines
• Ability to creatively problem-solve and build relationships with business unit leaders including senior and executive level management.
• Strong, effective and efficient presentation skills
• Excellent verbal and written communication skills
• Proficient with Microsoft 365 (Word, Outlook, and Excel)
• Ability to multi-task and work in a fast-paced environment
• Ability to understand, remember, and apply oral and/or written instructions or other information

EDUCATION, EXPERIENCE AND/OR LICENSES:

• Bachelor’s degree required, equivalent experience or combination of experience and education may be substituted.
• 5 or more years of mortgage compliance experience with a bank or mortgage lender/servicer required.
• Previous experience with regulatory and issues change management required.
• Previous experience reviewing and revising business policies and procedures to minimize risks and ensure compliance required.