Compliance Analyst

Overview

Spring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers with a national network of experienced brokers and partners. Since its founding in 2016, Spring EQ is among the fastest growing and highest-rated home equity financing partners in the United States. Spring EQ offers a broad range of home equity products and delivers a simple and streamlined process that results in faster funding, trustworthy loans, and less frustration for consumers today. To learn more about Spring EQ, visit www.springeq.com.

At Spring EQ, it is our mission to empower homeowners and buyers to achieve and maximize the value of homeownership in a simple, fast, and ethical manner. Our values are to

• Be kind and treat all people - teammates, customers, and vendors - with respect and consideration
• Be adaptable and embrace change
• Be accountable and take responsibility and deliver the effort to fully complete the task
• Be better and strive for continuous improvement in ourselves, our team, and the company for our customers
• Be part of the solution and solve problems, find the answers, and collaborate
• Work hard, have fun, and get things done

The Compliance Analyst is responsible for supporting the organization''s regulatory compliance program by monitoring, assessing, and ensuring adherence to applicable federal, state, and local laws and regulations governing mortgage lending and servicing activities. This role conducts compliance reviews, analyzes regulatory changes, evaluates business processes, identifies compliance risks, and partners with business stakeholders to implement corrective actions and maintain a strong culture of compliance. The Compliance Analyst helps ensure the company operates in accordance with regulatory requirements, internal policies, investor guidelines, and industry best practices.

Responsibilities

Supervisory Responsibilities

• No supervisory responsibilities

Duties/Responsibilities

• Monitor and evaluate mortgage lending and servicing operations for compliance with applicable laws, regulations, and company policies.
• Conduct compliance audits, reviews, and testing of business processes, files, disclosures, and operational controls.
• Research and interpret federal and state regulatory requirements affecting mortgage origination, underwriting, processing, closing, servicing, and secondary market activities.
• Assess the impact of regulatory changes and assist with implementing necessary policy, procedure, and operational updates.
• Analyze compliance risks and recommend corrective actions to mitigate identified issues.
• Prepare audit reports, compliance findings, and management summaries, including recommendations for remediation.
• Track and monitor corrective action plans to ensure timely resolution of compliance deficiencies.
• Assist with maintaining compliance monitoring programs, risk assessments, and regulatory inventories.
• Support internal and external audits, regulatory examinations, and investor reviews.
• Collaborate with business units to provide compliance guidance and support operational decision-making.
• Review policies, procedures, forms, disclosures, and communications for regulatory compliance.
• Maintain documentation and records to support compliance activities and examination readiness.
• Develop and deliver compliance-related training and awareness materials as needed.
• Monitor consumer complaints and identify trends that may indicate compliance concerns.
• Stay informed regarding emerging regulatory developments, industry standards, and enforcement actions.

Qualifications

Required Skills/Abilities

• Knowledge of federal and state mortgage lending regulations, including but not limited to:

• Truth in Lending Act (TILA)

• Real Estate Settlement Procedures Act (RESPA)

• TILA-RESPA Integrated Disclosure (TRID)

• Equal Credit Opportunity Act (ECOA)

• Fair Housing Act (FHA)

• Home Mortgage Disclosure Act (HMDA)

• Fair Credit Reporting Act (FCRA)

• Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)

• Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)

• Bank Secrecy Act/Anti-Money Laundering (BSA/AML), as applicable

• Knowledge of mortgage origination, underwriting, closing, funding, and servicing processes.

• Understanding of compliance risk management principles and internal control frameworks.

• Knowledge of audit methodologies and regulatory examination practices.

• Strong analytical and critical-thinking skills.

• Excellent written and verbal communication skills.

• Effective problem-solving and investigative abilities.

• Strong organizational and project management skills.

• Proficiency in Microsoft Office Suite, including Excel, Word, PowerPoint, and Outlook.

• Ability to analyze complex regulations and translate requirements into practical business solutions.

• Strong attention to detail and accuracy.

• Data analysis and reporting skills.

• Ability to independently manage multiple priorities and deadlines.

• Ability to interact effectively with all levels of management and employees.

• Ability to exercise sound judgment and maintain confidentiality.

• Ability to identify compliance risks and recommend practical solutions.

• Ability to work collaboratively in a team-oriented environment.

• Ability to adapt to changing regulatory and business requirements.

Education and Experience

• 1+ years of compliance, risk management, audit, quality assurance, or mortgage operations experience within the mortgage banking or financial services industry.
• Bachelor''s degree in Business Administration, Finance, Risk Management, Accounting, Legal Studies, or a related field or equivalent work experience.

Healthy work-life balance.

We are committed to supporting a healthy work-life balance and fostering an environment of productivity and collaboration. This position follows a hybrid schedule for team members working in our corporate offices, combining on-site presence with remote flexibility. Our hybrid model is designed to promote teamwork and engagement while also providing the adaptability professionals need to manage their responsibilities effectively.

Benefits

• 401k Company Match
• Annual Charitable Matching Gift Program
• Commuter Benefits
• Company Holidays
• Credit Union Membership
• Dental Insurance
• Dependent Care Plan
• Disability Insurance
• Employee Assistance Program
• Life Insurance
• Medical Insurance
• Paid Time Off Plan
• Vision Insurance
• Weekly Non-Management Dinner Benefit

Candidates must have current, unrestricted authorization to work in the United States. The Company does not sponsor or support employment‑based visas, extensions, renewals, or any immigration‑related programs now or in the future.

Spring EQ is an Equal Opportunity Employer. We make all employment decisions based on merit and business needs. If you require a reasonable accommodation at any stage of the hiring or employment process, please contact recruiting@springeq.com