Designs and implements programs, policies, and practices to ensure the mortgage business unit complies with federal, state, and local regulatory requirements. This position will also develop and implement mortgage policies and procedures by performing the following duties.

Duties and Responsibilities include the following.

Mortgage Compliance

• Monitor impact and maintain current knowledge of new regulations or changes to existing regulations, and general compliance issues and concerns.
• Monitor advancements in information technologies to ensure departmental adaptation and compliance.
• Oversee and coordinate all mortgage efforts to monitor and maintain compliance with all federal and state regulations. Includes enforcement of company policies and procedures.
• Ensure mortgage compliance objectives are met and activities related to standards and legal regulations are tracked and identified.
• Account for the daily operations, performance and productivity of Post-Closing and Pre-Funding controls.
• Track laws and regulations that might affect the organization's policies.
• Manage and prepare for both internal and external mortgage audits.
• Complete investor approvals and annual recertifications.
• Facilitate Mortgage Compliance meetings to identify both existing and emerging risks and implement changes in controls to mitigate those risks.
• Collaborate with key stakeholders within the Bank's Compliance Team, Internal Audit Team and Operational Risk Team.
• Manage vendor relationship management and contracts, and leads department trainings as needed.
• Provide compliance guidance to and answer questions from production and operations staff on federal and state regulations including TILA, RESPA, ECOA, fair lending laws, HMDA, anti-predatory lending laws, licensing, FCRA, privacy laws, Dodd-Frank and other consumer finance-related laws.
• Collect and disseminate to mortgage team information related to compliance and other topical subjects.
• Conduct Compliance Risk and Operational Assessments.
• Perform re-test of findings because of an internal or external mortgage audit.
• Provide assistance at all levels of operations as needed to complete projects on time and stay in compliance with Origin Bank and regulatory requirements.
• Work with the mortgage management team to test and document all new policy and procedure releases in Loan Origination System(s).

Quality Control

• Partner with the Quality Control (QC) vendor to ensure timely and accurately prepared reports and findings.
• Provide day-to-day management of the QC vendor.
• Distribute QC reports to the responsible personnel and coordinate the rebuttals and additional documentation obtained to remediate the defects.
• Work with management team and department managers to ensure findings and/or defects are addressed and corrected.
• Maintain knowledge of underwriting requirements and Origin Bank policies and procedures.
• Identify and investigate red flags that may indicate instances of fraud.
• Compile, distribute and present monthly management reports based on review findings.
• Report unresolved critical defects to appropriate agencies and investors.
• Ensure agency guidelines for QC are met and documented.
• Recommend quality operational improvements based on review of findings.
• Review DMI Early Payment Defaults to determine QC selections.
• Perform Second Review Denials.
• Perform QC of the QC'er.
• Determine QC trends and issues and implement resolutions as required.
• Coach others on QC issues, problems and/or questions.

Training

• Collaborate with the mortgage management team to produce high quality training materials for the team, as needed.
• Compile and maintain training materials and assist in or conduct training sessions for new and existing employees.
• Create training campaigns and maintain a culture of learning.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Competencies - To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.

Interpersonal Skills/Customer Service - Maintains confidentiality; manages difficult or emotional customer situations; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Varies writing style to meet needs; Able to read and interpret written information.

Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Contributes to building a positive team spirit.

Organizational Support - Follows policies and procedures; Supports organization's goals and values.

Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.

Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions.

Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.

Adaptability and Initiative - Manages competing demands; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality and Dependability - Is consistently at work and on time; Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year College or University; three to five years of compliance and quality control experience required; two to four years related mortgage banking experience.

Computer Skills

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel. Ability to use basic office machines. Ability to learn bank-specific software such as Encompass, IBS, Workday, etc.

Bank Culture/Customer Service Skills

Promotes the Bank's culture, including the support of our Brand promise and Core Values.

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Physical Demands

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.

Work Environment

The noise level in the work environment is usually quiet.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

Origin Bank is an equal opportunity employer and we do not discriminate in hiring or employment on the basis of race, color, sex, age, marital or veteran status, non-job related disability, religion, national origin, genetic information or any other basis protected by law.