What are the responsibilities and job description for the Compliance Analyst, Sr position at loanDepot?
Position Summary
Responsible for supporting the production support compliance inbox and serving as a subject matter expert on federal and state laws governing mortgage loan originations, with a strong emphasis on TILA and TRID requirements. Provides timely, well-researched compliance guidance to Sales, Operations, and Production teams by quickly analyzing regulatory requirements and responding to complex production questions. Reviews and resolves system-related compliance failures, including disclosure and timing issues, and partners with Systems Compliance and business stakeholders to identify root causes and support corrective actions. This role requires the ability to work autonomously, exercise sound regulatory judgment, and deliver clear, practical compliance guidance in a fast-paced production environment.
Responsibilities
loanDepot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loanDepot has revolutionized the mortgage industry with a digital-first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, loanDepot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. With headquarters in Southern California and offices nationwide, loanDepot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts.
Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $62,000 and $85,500. Your base pay will depend on multiple individualized factors, including your job-related knowledge/skills, qualifications, experience, and market location.
We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
Responsible for supporting the production support compliance inbox and serving as a subject matter expert on federal and state laws governing mortgage loan originations, with a strong emphasis on TILA and TRID requirements. Provides timely, well-researched compliance guidance to Sales, Operations, and Production teams by quickly analyzing regulatory requirements and responding to complex production questions. Reviews and resolves system-related compliance failures, including disclosure and timing issues, and partners with Systems Compliance and business stakeholders to identify root causes and support corrective actions. This role requires the ability to work autonomously, exercise sound regulatory judgment, and deliver clear, practical compliance guidance in a fast-paced production environment.
Responsibilities
- Serves as an individual contributor responsible for daily oversight and support of the production support compliance inbox, ensuring timely, accurate, and well-documented responses to Sales and Operations inquiries.
- Acts as a subject matter expert on federal and state mortgage origination requirements, with particular emphasis on TILA, TRID, Qualified Mortgage, and state-specific disclosure, fee, and high-cost loan requirements.
- Researches, analyzes, and interprets complex regulatory requirements to provide clear, practical compliance guidance in response to production questions and escalations.
- Reviews, investigates, and resolves system-related compliance failures, including disclosure accuracy, timing violations, and fee tolerances, and provides guidance on appropriate cures and corrective actions.
- Identifies and escalates root causes of compliance issues related to loan origination systems and compliance engines to management and supports remediation efforts.
- Provides real-time compliance support to production teams to mitigate regulatory risk while supporting efficient loan processing and closing timelines.
- Utilizes knowledge of investor, agency, and regulatory guidelines for government and agency loan products to ensure consistent application of compliance standards.
- Documents compliance guidance, issue resolution, and trends observed through the compliance inbox to support reporting, audit readiness, and continuous improvement.
- Assists the Director of Originations Compliance with special projects or initiatives as needed; performs other related duties as assigned
- Minimum of 5 years of mortgage originations experience required; compliance experience preferred.
- Thorough knowledge of loan origination processes.
- Thorough knowledge of loan origination systems (LOS), including Empower.
- Thorough knowledge of originations compliance engines, including Mavent and ComplianceEase.
- Strong expertise in federal and state regulations governing loan origination, with an emphasis on TILA, TRID, Qualified Mortgage, and state-specific disclosure, fee, and high-cost loan requirements.
- Bachelor’s degree preferred.
- Availability Requirement: Must be available to work 8:00 AM – 5:00 PM Pacific Time (PST) on a regular basis. This schedule requirement is mandatory and cannot be accommodated outside of these hours.
- Aggressive compensation package based on experience and skill set.
- Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
- Work with other passionate, purposeful, and customer-centric people.
- Extensive internal growth and professional development opportunities including tuition reimbursement.
- Comprehensive benefits package including Medical/Dental/Vision.
- Wellness program to support both mental and physical health.
- Generous paid time off for both exempt and non-exempt positions.
loanDepot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loanDepot has revolutionized the mortgage industry with a digital-first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, loanDepot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. With headquarters in Southern California and offices nationwide, loanDepot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts.
Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $62,000 and $85,500. Your base pay will depend on multiple individualized factors, including your job-related knowledge/skills, qualifications, experience, and market location.
We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
Salary : $62,000 - $85,500