Analysis Skills, Auditing, Banking Services, Best Practices, Business Administration, Business Loans, Business Support, Change Management, Commercial Loans, Construction, Consumer Regulations, Credit Cards, Cross-Functional, Detail Oriented, Equal Credit Opportunity Act (ECOA), Establish Priorities, Fair Lending, Finance, Home Equity Line of Credit (HELOC), Industry/Trade Analysis, Internal Audit, Interpersonal Skills, Loans, Maintain Compliance, Monitor Regulations, Mortgage, Mortgage Regulations, Mortgage Servicing, Operations Management, Pinnacle, Problem Solving Skills, Process Analysis, Process Improvement, Regulations, Regulatory Compliance, Regulatory Requirements, Risk, Risk Management, Team Player, Workflow Analysis
Job Summary:
The Mortgage Servicing Compliance Analyst is responsible for ensuring Pinnacle''s mortgage servicing operations adhere to all applicable regulatory requirements and internal policies. This role conducts compliance reviews, analyzes servicing processes, and provides recommendations to mitigate risk and enhance operational integrity. The analyst collaborates with cross-functional teams to implement compliance solutions and support business objectives.
Job Duties and Responsibilities:
- Conduct compliance reviews and audits of mortgage servicing operations; monitor regulatory changes and assess their impact on servicing processes; analyze servicing workflows to identify areas for improvement and risk mitigation; develop and implement compliance strategies and solutions; collaborate with servicing, operations, and risk management teams to ensure adherence to regulations; provide training and guidance to staff on compliance matters; maintain accurate documentation and records; support internal and external audits; identify and recommend process improvements to enhance compliance and efficiency; stay current with industry trends, regulatory updates, and best practices.
The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job
Pinnacle is an Equal Opportunity Employer committed to fostering an inclusive work environment.
Minimum Education: Bachelor''s degree in Business Administration, Finance, or related field;
Minimum Experience:minimum of 10 years of experience in mortgage servicing compliance, analysis, or related roles;
Required Knowledge, Skills & Abilities:strong knowledge of mortgage servicing regulations, policies, and procedures; excellent analytical, problem-solving, and decision-making abilities; outstanding communication and interpersonal skills; proficiency with compliance management and mortgage servicing software systems; ability to work collaboratively with internal and external stakeholders; professional certification (e.g., Certified Mortgage Compliance Professional) preferred.
Preferred Knowledge, Skills, & Abilities:
- Experience working in a large or complex banking organization (e.g., $50B+ in assets).
- Prior 2nd Line of Defense compliance advisory or risk oversight experience, particularly aligned to consumer and small business/commercial lending.
- Direct experience supporting multiple lending portfolios (e.g., mortgage, HELOCs, construction lending, credit cards, and small business lending).
- Familiarity with fair lending risk concepts under ECOA/Regulation B.
- Experience supporting regulatory examinations, internal audits, and issue remediation activities.
- Prior involvement in regulatory change management, including implementation of new or amended consumer compliance regulations (e.g., TRID updates or Section 1071 readiness).
- Professional certification such as CRCM.
- Ability to independently assess complex processes and identify control gaps, emerging risks, and practical remediation strategies.
- Strong attention to detail combined with the ability to think strategically and prioritize risk based on impact and likelihood.