Lending Compliance Analyst

A+ Federal Credit Union

. Support the Credit Union’s Compliance Management System through independent, risk-based monitoring and testing .

Posted 10/9/2026full-timeRemote • Texas • United StatesJuniorMid-Level💰 $25 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in compliance management, risk assessment, and regulatory reporting within the lending sector, with a strong focus on HMDA data integrity and adherence to federal and state regulations. Proficient in data analysis and documentation, ensuring accuracy and compliance in all lending processes.

Highest-signal resume keywords

HMDA Data Integrity ReviewsCompliance MonitoringRegulatory ReportingRisk AssessmentData Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Lending ComplianceLoan File ReviewsRegulatory ComplianceData ValidationQuality ControlAudit ProceduresRisk ManagementDocumentationData ReconciliationRegulatory Requirements

Soft Skills

Attention to DetailOrganizational SkillsTime ManagementWritten CommunicationVerbal Communication

Tools & Technologies

Loan Origination SystemsHMDA SystemsImaging SystemsMicrosoft OfficeExcel

Industry Keywords

Financial InstitutionConsumer LendingMortgage LendingRegulation CFair LendingUDAAPCompliance Management SystemRisk-Based MonitoringFederal RegulationsState Regulations

About the role

Key responsibilities & impact

Support the Credit Union’s Compliance Management System through independent, risk-based monitoring and testing
Assist with development, administration, implementation, and maintenance of the Lending Compliance Program
Perform detailed HMDA reviews of reportable originated and non-originated mortgage, retail, and commercial loan applications
Import and export periodic data files and reconcile data populations for completeness
Validate reportable data against source documentation, host and loan-origination systems, and the Loan/Application Register
Identify, document, and resolve loan-data exceptions with business units; recommend maintenance and reporting changes
Validate property addresses, census and geographic information, and clear quality and validity edits
Meet regulatory timeframes established for Regulation C
Compile audit and examination documentation and responses
Develop procedural manuals, job aids, testing scripts, workpapers, dashboards, and management reports
Compile HMDA and Fair Lending metrics
Import review packages into the imaging system for record retention
Execute compliance monitoring and testing according to approved scopes, procedures, methodologies, and schedules
Assess compliance with federal and state lending requirements, policies, procedures, controls, disclosures, and record-retention requirements
Document monitoring and testing objectives, scope, samples, procedures, evidence, results, conclusions, and approvals
Evaluate control design and effectiveness; perform root-cause and impact analysis
Communicate findings and track corrective actions through remediation and closure
Conduct compliance, product, and services risk assessments
Research lending compliance inquiries and escalate novel, high-risk, or legally complex matters
Review and recommend updates to policies, procedures, forms, disclosures, communications, job aids, and intranet content
Support compliance reviews of products, services, systems, vendors, decisioning models, workflows, marketing, and member communications
Participate in regulatory-change impact assessments and implementation monitoring
Provide practical guidance and training while preserving first-line management ownership
Support internal audits, external audits, and regulatory examinations
Escalate material, systemic, repeat, overdue, or potentially consumer-harmful issues
Maintain current knowledge of applicable lending laws, regulations, guidance, enforcement trends, and industry practices
Apply fair-lending and UDAAP considerations to monitoring, testing, product reviews, complaints, and corrective actions
Participate in monthly individual dialogues with the direct manager and perform other assigned duties

Requirements

What you’ll need

High school diploma or GED required
Bachelor’s degree in business, finance, accounting, risk management, or a related field preferred
Two years of financial-institution lending, loan servicing, quality control, audit, risk, or regulatory compliance experience required
Two years of experience performing HMDA data integrity reviews, compliance monitoring or testing, loan-file reviews, or regulatory reporting preferred
Two years of knowledge and work experience with financial-industry rules, regulations, and best practices preferred
Knowledge of consumer and mortgage lending processes and regulatory requirements
Ability to define problems, evaluate evidence, analyze data, identify patterns, assess risk, and draw conclusions
Strong attention to detail, organization, documentation, and time-management skills
Strong written and verbal communication skills
Ability to work independently, exercise judgment, and escalate matters appropriately
Ability to collaborate with lending, operations, technology, legal, risk, audit, and other stakeholders while maintaining second-line objectivity
Ability to learn and use loan origination, servicing, HMDA, imaging, reporting, governance-risk-compliance, and related systems
Proficient in Microsoft Office; highly proficient in Excel and data analysis
Ability to work at least 40 hours a week
Ability to work flexible hours, with infrequent travel and overnight stays
Must handle sensitive and confidential information with integrity and appropriate safeguards

Benefits

Comp & perks

Remote position
Flexible hours
Professional development and relevant training
Infrequent travel and overnight stays
Disability accommodations
Equal Opportunity Employer