Real Estate Lending Compliance Analyst

The Real Estate Lending Compliance Analyst is responsible for ensuring Tower Federal Credit Union’s (Tower) Real Estate Lending Department maintains full compliance with all applicable federal and state regulatory requirements, including but not limited to the Home Mortgage Disclosure Act (HMDA), TILA-RESPA Integrated Disclosure (TRID), Equal Credit Opportunity Act (ECOA), Fair Housing Act, and other consumer protection laws and regulations. This position plays a critical role in compliance monitoring, testing, and reporting, with a primary focus on HMDA data integrity, fair lending analysis, and regulatory adherence for both first mortgage and home equity products.

Monitors, interprets, and applies federal and state lending regulations (HMDA, TRID, ECOA, Fair Housing, etc.) to ensure ongoing compliance across real estate lending operations.

Conducts monthly HMDA scrubs of all real estate lending applications and loans to ensure accuracy and completeness of Loan Application Register (LAR) data.

Performs a comprehensive year-end HMDA scrub prior to annual submission of the LAR, ensuring full regulatory compliance and audit readiness.

Partners with business units to address and correct HMDA data errors, discrepancies, and systemic issues.

Supports and leads fair lending testing, analysis, and reporting, identifying potential disparities and providing recommendations for corrective action.

Assists with the development, review, and maintenance of real estate lending policies, procedures, and disclosures to align with regulatory requirements.

Monitors TRID compliance, ensuring timely and accurate disclosures, fee tolerances, and proper documentation.

Collaborates with internal audit, compliance, and risk management to support examinations, audits, and regulatory inquiries.

Provides compliance training, guidance, and support to lending staff on HMDA, TRID, fair lending, and other applicable requirements.

Prepares and distributes compliance reports and dashboards for management and executive review.

Stays current on regulatory changes, industry trends, and best practices impacting mortgage lending compliance.

Bachelor’s degree in Business, Finance or related field. 

Minimum of 3–5 years of experience in mortgage lending compliance, audit, quality control, or related role.

Or equivalent combination of education and experience

Experience with HMDA data collection, scrubbing, and reporting required.

Strong knowledge of federal and state mortgage lending regulations, particularly HMDA, TRID, ECOA, and Fair Lending requirements.

Proficiency with Microsoft Office applications (Word, Excel, Outlook) and comfort working with multiple systems for data entry, verification, and reporting.

Excellent communication skills with the ability to work effectively across departments and levels of the organization.

Ability to manage multiple priorities and meet deadlines in a fast-paced environment.

Analytical decision making ability with attention to detail.

Ability to become proficient in the origination and operations procedures of the Real Estate Lending Department.

Ability to learn and work in a fast paced environment.

Ability to multi-task and prioritize work as required.

Ability to effectively work with mathematical concepts with a high degree of accuracy.

Ability to interpret, understand and apply Tower’s  Real Estate Lending Guidelines and FNMA/FHLMC/Investor Guidelines.

Ability to communicate effectively in oral and written form.

Ability to work and communicate effectively with Towe0’s  members, real estate agents, title companies and other members of the Real Estate Lending team.

Ability to work independently and to identify/solve problems and to seek guidance when necessary and to resolve them in an expeditious manner.

PC Proficient to include: Word, Excel, Outlook, internet, e-mail and mortgage loan origination software

Ability to verbally convey work process issues to other members of the Real Estate Lending Department.

Ability to adapt to changes within internal, market or regulatory environments.

Ability to effectively organize loan files and documents.

Ability to exercise prudent judgment in decision-making and protection of member confidential information.

Ability to arrive at work routinely and promptly.

Ability to work within stringent time constraints and in a high pressure environment.

Ability to receive constructive feedback from co-workers and management.

Ability to work in a team environment and demonstrate the ability to help others.

Ability to work independently and to identify/solve problems and to seek guidance when necessary and to resolve them in an expeditious manner.

Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC.

Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate.

Ability to lift up to 20 lbs., with or without assistance, in compliance with ADA.