Residential Mortgage Analyst

About the position The Residential Mortgage Analyst plays a critical role in ensuring compliance, risk mitigation, and operational efficiency across the Mortgage Division. This role is responsible for managing all investor and agency audit responses, overseeing documentation flow across underwriting and operations, handling lender self-reporting requirements, and coordinating regulatory audits and fraud reporting. The ideal candidate brings strong analytical skills, attention to detail, and a proactive approach to issue resolution and stakeholder communication.

Responsibilities

• Lead the response and appeal process for post-purchase audits, including repurchase demands, make-whole demands, indemnification requests, and related findings.
• Coordinate with internal stakeholders to gather necessary documentation and ensure timely and accurate audit responses.
• Maintain thorough records of audit findings, resolutions, and appeal outcomes.
• Serve as the point of contact for all documentation requests across Sales, Underwriting and Operations.
• Ensure all documentation is complete, compliant, and delivered within required timelines.
• Partner with internal teams to streamline documentation workflows and improve efficiency.
• Manage all lender self-reporting obligations to investors, government agencies (e.g., Fannie Mae, Freddie Mac, FHA, VA), mortgage insurance providers, and servicing partners.
• Monitor reporting requirements and ensure adherence to changing regulatory and investor guidelines.
• Manage the intake, documentation, and submission of suspected or confirmed fraud to the appropriate internal departments and external agencies.
• Ensure compliance with investor and agency fraud reporting timelines and protocols.
• Coordinate the Mortgage Division's response to regulatory audits and examinations.
• Compile requested materials, draft responses in partnership with Legal and Compliance, and support remediation efforts where necessary.
• Work closely with Legal, Compliance, Risk, Underwriting, and Servicing teams to ensure aligned and compliant processes.
• Provide insights and recommendations to strengthen internal controls and reduce risk exposure.
• Prepare complete and accurate loan files for submission to internal and external auditors, regulatory agencies or investors as requested ensuring all required documents are included.
• Facilitate the acquisition of any missing documentation requested by the above parties if a gap in documentation is identified.

Requirements

• Bachelor's Degree or equivalent preferred
• 3-5+ years of experience in residential mortgage operations, compliance, or audit support Nice-to-haves
• Strong working knowledge of mortgage industry regulations, investor guidelines, and agency requirements (Fannie Mae, Freddie Mac, FHA, VA, MI providers)
• Experience managing post-purchase audits, repurchase requests, and investor communications
• Familiarity with regulatory exam processes and documentation standards
• High level of integrity and discretion when handling sensitive or confidential information
• Excellent organizational, analytical, and communication skills
• Proficiency in Microsoft Office (Word, Excel, Outlook) and loan origination or servicing platforms (e.g., Encompass, Empower, Black Knight)
• Experience supporting internal or external audit functions
• Working knowledge of fraud risk identification and escalation protocols
• Ability to manage multiple priorities and deadlines in a fast-paced environment
• Strong problem-solving and critical thinking skills
• Experience with documentation tracking tools or reporting dashboards is a plus Benefits
• Starting base salary: $71,869 - $114,797 per year
• Exact compensation may vary based on skills, experience, and location
• This job is eligible for bonus and/or commissions Apply tot his job

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