AVP, Mortgage Operations – Compliance Manager

Main Street Bank

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

Posted 10/2/2026full-timeMarlborough • Massachusetts • United StatesLead💰 $90,000 - $115,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive experience in residential mortgage banking, regulatory compliance, and process improvement, with a strong focus on HMDA, ECOA, and fair lending regulations. Proven ability to lead teams, manage mortgage operations, and utilize Encompass for effective workflow management.

Highest-signal resume keywords

Residential Mortgage Banking ExperienceHMDA Reporting ExpertiseEncompass ProficiencyRegulatory Compliance KnowledgeTeam Leadership and Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Mortgage UnderwritingLoan Delivery ManagementData Collection and ValidationPerformance Metrics AnalysisGeneral Ledger ReconciliationProcess ImprovementWorkflow RedesignAudit CoordinationSecondary Market GuidelinesMortgage Loan Originator Identifier Registration

Soft Skills

Strong Communication SkillsOrganizational SkillsCritical ThinkingProblem SolvingProject Management

Tools & Technologies

EncompassMicrosoft Office SuiteMortgage Technology Platforms

Certifications & Qualifications

Mortgage Loan Originator Identifier Number via NMLS&R

Industry Keywords

HMDAECOAFair LendingFlood ComplianceSecondary Market GuidelinesConsumer LendingBanking RegulationsInvestor RequirementsPost-Closing ConditionsTalent Acquisition

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 reporting
Coordinate internal, external, and regulatory audit requests and corrective actions
Oversee mortgage loan lock administration and mortgage pipeline management
Manage secondary post-closing conditions, investor suspense items, loan purchase requirements, and investor delivery activities
Manage gain-on-sale reporting and related performance metrics
Conduct mortgage vendor analysis and monitor vendor performance
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
Own and maintain departmental policies and procedures
Lead business process improvement across mortgage workflows
Provide functional support for Encompass and other mortgage technology platforms
Serve as the Bank’s designated MERS Officer
Prepare management reporting on compliance, pipeline activity, secondary market delivery, operational performance, and risks
Represent Retail Lending on internal committees, projects, and initiatives
Support internal, external, and regulatory auditors
Direct, develop, and manage team members; conduct evaluations and provide coaching
Establish departmental goals, monitor metrics, and drive business objectives
Lead talent acquisition, succession planning, employee development, process improvement, and change management initiatives

Requirements

What you’ll need

Minimum seven years of progressive residential mortgage banking experience
Minimum three years of supervisory or management experience
Experience with HMDA reporting, ECOA, fair lending, flood compliance, and audits
Strong 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
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
Smart phone required for MFA access to MSB systems
English is Main Street Bank’s standard language
Ability to work early morning, evening, and/or weekend hours as needed
Ability to occasionally lift and/or move up to 10 pounds
Regular attendance and ability to remain stationary for extended periods
Ability to operate a computer for extended periods
Occasional local travel for bank purposes
Strong written and verbal communication, interpersonal, organizational, planning, time management, critical-thinking, problem-solving, and project-management skills

Benefits

Comp & perks

Hybrid work arrangement after successful completion of training and proven abilities
Fully remote arrangement considered with established annual meeting presence
Dedicated workspace and reliable internet support for remote work
Equal employment opportunity protections
At-will employment
Background and credit review process