As a part of TIAAs Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.
Provides several quality assurance and risk control functions for Retail Home Lending, including Home Mortgage Disclosure Act (HMDA) data validation, Real Estate Settlement Procedures Act (RESPA) change of circumstance validation, and Equal Credit Opportunity Act (ECOA) monitoring.
Validate and complete change of circumstance re-disclosure requests in accordance with RESPA requirements
Ensure data accuracy on non-originated loan files for HMDA and Fair Lending reporting purposes, making updates to the file and Loan Origination Software (LOS) as necessary
Monitor loan files for Truth in Lending Act (TILA) accuracy and partner with Sales/Operations to ensure compliance regarding required re-disclosure
Monitor loan files for ECOA clock expiration and partner with Sales/Operations to ensure compliance regarding timely decision/notification to the applicant
Update management on any issues or trends
Keep abreast of changes to pertinent Federal Regulations such as ECOA, HMDA, RESPA, and TILA
Knowledge, Skills, and Abilities
Good understanding of mortgage industry regulations
Strong analytical and research skills
Competent decision-making skills
Excellent organizational skills and attention to detail
Excellent communication skills, both verbal and written
Ability to communicate with all levels of management
Ability to work independently and in a team environment
Completion of high school education
2 years mortgage industry
Relevant regulatory compliance experience
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