Mortgage Compliance Analyst

Tomo Mortgage LLC

$70K — $95K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree preferred.
  • 1.5-2 years of mortgage operations or compliance experience.
  • Base knowledge of mortgage regulations.
  • Familiarity with licensing via the Nationwide Multistate Licensing System (NMLS).
  • Detail-oriented with strong multi-tasking abilities.

Responsibilities

  • Manage company and loan officer licensing applications via NMLS.
  • Review and respond to regulatory examinations and audits.
  • Monitor compliance with key mortgage regulations including ECOA, TILA, and TCPA.
  • Generate and file Mortgage Call Reports and other financial filings.
  • Handle customer complaints and assist with investigation efforts.
  • Administer corporate state registrations and policy updates.
  • Support vendor management processes.

Benefits

  • Career growth opportunities within the Legal & Compliance team.
  • Equity ownership through stock options for all employees.
  • Direct coaching and mentorship from experienced team members.
  • Comprehensive Medical, Dental, and Vision plans, including coverage for dependents.
  • Generous paid time off policy to support work-life balance.
Full Job Description
What You'll Do:

Support day-to-day compliance at a skyrocketing mortgage startup, collaborating across teams to help Tomo meet its legal and regulatory obligations. You will have a base knowledge of the ins and outs of applicable mortgage regulations, track the company's compliance with them, and assist teammates on best practices. In particular, you will:
  • Manage and apply for company and loan officer licensing via the Nationwide Multistate Licensing System (NMLS);
  • Review and generate initial responses to examinations and audits, both external (regulatory) and internal;
  • Assist withto monitoring company compliance with the Equal Credit Opportunity Act ("ECOA"), the Truth in Lending Act ("TILA"), the Telephone Consumer Protection Act ("TCPA"), and more;
  • Generate and file quarterly, semi-annual and annual Mortgage Call Reports and financial reports for the mortgage business in NMLS and with various state agencies;
  • Generate and file Home Mortgage Disclosure Act reports;
  • Monitor incidents and customer complaints, and assist with associated investigations and reporting;
  • Administer all corporate state registrations;
  • Assist with the annual review and iteration of all company policies;
  • Assist with the review of loan document packages and permissible fees for state launches; and
  • Assist with vendor management.

This role is in office Monday, Tuesday and Wednesday in either Seattle (preferred) or New York City

What Makes You a Great Fit:
  • Eagerness to Learn
  • Desire to work in fast-paced, technology startup
  • Proactive, problem-solving mindset
  • Attention to Detail
  • Multi-tasking and follow-through
  • A positive, coachable mindset


Preferred Qualifications:
  • Bachelor's degree.
  • At least 1.5-2 years of mortgage operations or compliance experience.


What's in It for You?
  • Career growth: Multiple paths within Tomo -- you'll be a foundational member of the company's Legal & Compliance team as we scale.
  • Equity ownership: All teammates receive stock options.
  • Coaching and mentorship: You'll learn directly from seasoned teammates who will provide hands-on training and help you navigate key rules and processes.

Employee Benefits

We strive to anticipate your needs in order for you to be a healthy, motivated, and happy team member. We provide a variety of competitive benefits including (but not limited to):
  • Equity Ownership: All teammates receive stock options-we win together
  • Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered
  • Work-life balance and a generous paid time off policy
  • In order to support teammates who become parents, Tomo Mortgage provides paid parental leave
  • 401(k) retirement plan

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