Mortgage Compliance Officer

This is a remote position and we're accepting applications from anywhere in the U.S. We also have an optional office in Austin you can use if you live here or come visit. About Homeward We give homeowners the freedom to buy the home they want before selling their existing one. Customers tell us about their home and financial situation, and then we provide them with funds to confidently secure their next home with a competitive all-cash offer. This saves them stress from having to list their house without knowing where they are going next, and makes the process of buying and selling a home as predictable and easy as it should be. Homeward was started in 2018 by Tim Heyl, a 10-year industry veteran and owner of one of the fastest growing agent teams in the U.S. We're passionate about our mission to empower customers and their agent partners to buy before they sell while making the entire experience more convenient and certain. We've attracted a strong early customer base in Texas, Colorado, and Georgia, and are building our team to help us deliver our unique solution, and continue evolving our business. Homeward is backed by top-tier venture investors - Adams Street, Javelin, and LiveOak. We’ve raised over $25 million in equity to grow the business, and have secured over $100 million in debt to buy homes for our customers. Our leadership team includes experts from the real estate, mortgage, and technology spaces. About the opportunity The Homeward Mortgage Team is responsible for conducting the financial review and approval of every customer that works with Homeward. We’re focused on bringing financial innovations to life and delivering a seamlessly integrated mortgage experience. We are looking for subject matter experts and business people with an entrepreneur's mindset who will combine their expertise with a willingness to think outside the box to come up with new solutions. This is the first role of its kind at Homeward. You will have the opportunity to design and implement a mortgage compliance program for a rapidly growing company who is changing the way the residential real estate industry does business. You will report to the VP of Legal and will work closely with the VP of Mortgage Lending. Responsibilities will include:

• Develop and maintain Homeward Mortgage’s compliance management system (CMS)
• Build and refine company policies and procedures related to mortgage compliance
• Design and implement training and communications programs for the mortgage team and for other Homeward entities to guide employees on how to adhere to federal and state mortgage laws
• Collaborate with our product, engineering, operations, and marketing departments to ensure our products and marketing campaigns comply with applicable federal and state laws
• Serve as a resource for mortgage regulatory matters and compliance-related initiatives
• Design, implement and manage monitoring programs to determine the adequacy and effectiveness of internal controls
• Manage state, federal and other counterparty compliance examinations
• Assist in-house counsel and other compliance teams with ad hoc research and projects
• Manage outside licensing firm with respect to all mortgage licensing matters

What you’ll need to have:

• A deep understanding of mortgage loan origination and related industry regulations, concepts, practices, procedures, and documentation.
• 5+ years experience managing compliance for a retail mortgage lending operation
• Experience developing and maintaining a compliance management system (CMS) for a retail mortgage lending operation, including policy development and change management
• Strong working knowledge of RESPA (Reg X), TILA (Reg Z), ECOA, HMDA (Reg C), FACTA, FDCPA, FCRA, GLB, and other federal and state laws and regulations applicable to mortgage lenders
• Experience managing state, federal & agency compliance examinations
• Ability to effectively communicate with other departments and senior management
• Ability to thrive in a fast-paced, high production environment
• The drive to build something new that will change the real estate industry

Homeward Values Golden Rule “Treat others how you want to be treated.” We’re building our company culture and customer experience with this as the guiding principle. It’s a simple rule but emphasizes that we don’t prioritize money or growth over people. Calm Focus We don’t chase every opportunity and rush from urgent task to urgent task. We relax, stay calm, and focus on our company-wide objectives. If something is out of scope, we say “no.” If something feels rushed, we slow down and think it through so we can avoid unnecessary rework later. We don’t bombard each other with notifications expecting instant response times. We block off time for deep work, so we can get into the flow and create solutions for our customers. Multi-tasking isn’t effective or enjoyable. Cross Functional Collaboration We look at our customers’ experience holistically and Apply tot his job Apply To this Job