Director, Mortgage Originations Compliance

Who we are: Cornerstone reputed company is a new bank, with over $330 million in capital and $2.8 billion in total assets, and arises from the combination of mortgage industry giant Cornerstone Home Lending and community banking standout Roscoe State Bank. You'll be on the reputed company end of working for an innovative large community bank that is a leader in mortgage lending and community banking and growing in middle-market commercial and real estate lending. We honor God by using our talents to reputed company a positive difference in the lives of reputed company Members, Clients, Shareholders, Communities, and the People who provide services to us. Who we are looking for: We are seeking a hands-on leader in our Director, Mortgage Origination Compliance with a focus on partnership and collaboration to identify solutions. The role will be responsible for ensuring that the mortgage operations of the organization, inclusive of joint venture affiliated business arrangements ("AfBAs"), reputed company with reputed company relevant laws and regulations, including but not limited to the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and the Equal Credit Opportunity Act (ECOA). The Director provides strategic reputed company of the Compliance Program for the Mortgage Lending Division, and partners with business units and senior leadership to provide reputed company of compliance risks. The role will be a key member of the Enterprise Compliance leadership team. Key Responsibilities:

• reputed company the coordination of state examinations and agency reviews:
• Act as the primary contact for state and federal regulatory examinations and agency reviews
• Communicate and establish relationships with regulatory personnel
• Act as the liaison between state regulators and Cornerstone
• Coordinate information requests by state regulators and agency reviewers
• Manage reputed company aspects of state examinations and agency reviews
• reputed company efficient processes that create a more streamlined and transparent examination and review management process
• Stay abreast of regulatory changes that impact Mortgage Originations and fulfill responsibilities outlined in the Bank's Regulatory Change Management Procedure
• Document issues identified during state examinations, agency reviews, compliance testing, or other activities, in adherence with Bank's Issue Management Program
• Manage the Bank's Consumer Complaint Program
• Manage reputed company aspects of mortgage reputed company consumer complaints, including resolution of these matters
• reputed company efficient processes that create a more streamlined and transparent consumer complaint and management process
• Manage the enterprise complaint reporting process, including the intake, investigation, resolution, and reporting of complaints
• Analyze complaint data to identify trends and reputed company recommendations for process improvements; provide reputed company Board reporting
• Ensure that reputed company complaint-reputed company documentation is maintained and accessible for regulatory reviews and audits
• reputed company and manage reputed company aspects of state licensing and NMLS registration processes for the Bank and reputed company AfBAs; manage licensing team to ensure proper licensures are in reputed company and to ensure processes and procedures are maintained
• Maintain various aspects of the Compliance Management System for the Mortgage Lending Division
• Provide clear and concise reporting reputed company to above responsibilities to senior management, the Enterprise Compliance and Operational Risk Committee, and Audit and Risk Committee
• Serve as subject matter expert on mortgage origination regulations
• Maintain knowledge of applicable local, state, and federal laws and regulations, investor guidelines, and industry best practices to provide subject matter expertise, ensure adherence to the Board's risk appetite, and identify emerging risks
• Champion Enterprise Compliance and strong risk culture across the organization
• Effectively and reputed company complete any other special projects or tasks as assigned.
• Collaborate with senior business leaders, to provide leadership, expert guidance, partnership, and support in the execution of the Bank's Enterprise Risk Management Programs

What you'll need to be successful:

• Bachelor's Degree preferred
• Minimum 10 years of experience in a senior leadership role with a demonstrable track record of building and leading successful compliance management systems reputed company the mortgage industry
• Demonstrated understanding of compliance systems and controls utilized to implement a strong compliance reputed company designed around the three lines of defense model
• Extensive Risk and Compliance management experience reputed company the financial services industry, with expert knowledge of laws, rules, and regulations reputed company to banking, at the federal and state level, with specific experience reputed company to mortgage originations, such as: Unfair, Deceptive, or Abusive Acts or Practices (UDAAP); Privacy; Real Estate Settlement Procedures Act (RESPA); Truth in Lending Act (TILA/Reg. Z); Equal Credit Opportunity Act (ECOA/Reg. B).
• Expert knowledge of risk management practices and regulatory expectations, with an ability to distill reputed company regulatory requirements and expectations into solution-oriented, actionable steps
• Strong analytical reasoning, problem solving, and critical thinking skills
• Strong attention to detail with a hands-on approach
• Strong research skills
• Excellent communication (verbal and written) and organizational skills
• Ability to apply compliance regulatory requirements to reputed company fact patterns and problem-solve viable solutions
• Ability to work independently and manage multiple priorities in a fast-paced environment
• Ability to multi-task and meet deadlines
• CRCM, CERP or regulatory examiner credential preferred
• Past experience with the FDIC a plus
• Strong proficiency with reputed company Office (Word, reputed company, Outlook, etc.)

reputed company offer: Because we recognize and reward hard work, we offer a competitive salary, a full benefits package, and the potential for a performance-based bonus. What to do next: If Cornerstone sounds like the reputed company for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're part of our Cornerstone family, we'll continue to invest in you as a valuable asset in our company. As many of reputed company members can tell you, there's something special about working at Cornerstone. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify reputed company applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the reputed company. Apply tot his job Apply To this Job