AVP, Mortgage Operations, Compliance Manager

Main Street Bank

. Oversee residential lending operations, regulatory compliance, and continuous process improvement .

Posted 9/24/2026full-timeMarlborough • Massachusetts • United StatesLead💰 $90,000 - $115,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in residential mortgage banking, regulatory compliance, and process improvement, with a strong focus on HMDA reporting, underwriting authority, and mortgage technology support. Proven ability to lead teams, manage operational performance, and ensure adherence to banking regulations and standards.

Highest-signal resume keywords

Residential Mortgage Banking ExperienceHMDA Reporting ExpertiseEncompass ProficiencyUnderwriting AuthorityRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

HMDA ReportingECOA ComplianceFair Lending RegulationsMortgage UnderwritingLoan DeliveryPost-Closing ConditionsProcess ImprovementWorkflow RedesignSecondary Market GuidelinesFannie Mae and Freddie Mac Guidelines

Soft Skills

Effective CommunicationTeam LeadershipCoaching and FeedbackAnalytical ThinkingProblem Solving

Tools & Technologies

EncompassMicrosoft Office SuiteMortgage Technology Platforms

Certifications & Qualifications

Mortgage Loan Originator Identifier Number via NMLS&RNMLS&R Registration

Industry Keywords

Residential Lending OperationsRegulatory ComplianceFlood InsuranceLoan Application RegisterInvestor Delivery ActivitiesBanking RegulationsConsumer Lending

About the role

Key responsibilities & impact

Oversee residential lending operations, regulatory compliance, and continuous process improvement
Lead assigned mortgage operations staff
Ensure compliance with HMDA, ECOA, Fair Lending, flood insurance, and related regulations
Manage HMDA data collection, validation, monitoring, and annual Loan Application Register reporting
Coordinate internal, external, and regulatory audit requests; track findings and corrective actions
Perform or oversee flood reviews and translate regulatory changes into procedures, controls, and staff guidance
Support mortgage loan lock administration and oversee mortgage pipeline management
Manage secondary post-closing conditions, investor suspense items, loan purchase requirements, and investor delivery activities
Manage gain-on-sale reporting and operational performance metrics
Conduct mortgage vendor analysis and recommend operational enhancements
Perform or oversee mortgage-related general ledger reconciliations
Maintain underwriting authority for residential mortgage and consumer loans
Conduct appraisal and second-decline reviews and provide guidance on complex credit decisions
Provide backup underwriting support and guidance on credit policy, underwriting guidelines, and investor requirements
Own and maintain departmental policies and procedures
Lead business process improvement across mortgage workflows
Provide functional support for Encompass and other mortgage technology platforms, including configuration, testing, issue resolution, and enhancements
Serve as the Bank’s designated MERS Officer and complete required attestations, reports, certifications, and administrative duties
Prepare management reporting on compliance, pipeline activity, secondary market delivery, operational performance, and risks
Represent Retail Lending on committees, projects, and initiatives
Support internal, external, and regulatory auditors
Maintain NMLS&R registration and uphold SAFE Act responsibilities
Direct, develop, and manage staff; conduct performance evaluations and provide coaching and feedback
Establish departmental goals, monitor performance metrics, and drive business objectives
Lead talent acquisition, succession planning, employee development, process improvement, and change management initiatives
Review and approve employee timecards and time-off requests
Adhere to Bank policies, regulatory standards, risk controls, and required training

Requirements

What you’ll need

Minimum seven years of progressive residential mortgage banking experience
Minimum three years of supervisory or management experience
Demonstrated experience with HMDA reporting, ECOA and fair lending requirements, flood compliance and audits
Strong working knowledge of residential mortgage and consumer loan underwriting, agency or investor requirements, loan delivery, and post-closing conditions
Experience leading process improvement, procedure development, technology support, workflow redesign, or system implementation initiatives
Minimum three to five years of hands-on Encompass experience
Prior mortgage and consumer lending underwriting authority and second-level decline review experience strongly preferred
Strong knowledge of banking regulations and laws and mortgage and consumer lending vehicles
In-depth understanding of secondary market guidelines, including state agency, HELOC, second mortgage, and consumer loan requirements
Knowledge of Fannie Mae, Freddie Mac, DU, and LPA guidelines
Registered, or eligible to register, for a valid Mortgage Loan Originator Identifier Number via NMLS&R
Intermediate to advanced proficiency in Microsoft Office Suite and standard office equipment
Dedicated, distraction-free remote workspace with adequate lighting for video calls
Reliable internet connection with adequate bandwidth for Teams and other video calls
Ability to work core business hours and schedules that may include early morning, evening, or weekend hours
English is Main Street Bank’s standard language
Ability to communicate effectively, interpret policies, write reports and business correspondence, analyze documents, define problems, collect data, establish facts, and draw valid conclusions
Ability to occasionally lift or move up to 10 pounds
Ability to remain stationary for more than 80% of the time
Ability to use computers and office productivity equipment
Occasional local travel

Benefits

Comp & perks

Optional work from home / hybrid work arrangement after successful training and proven abilities
Fully remote arrangement considered with established annual meeting presence
Equal employment opportunity protections
At-will employment
Training sessions and online training courses