Compliance & Financial Operations Associate

Compliance & Financial Operations Associate

Location: Memphis or Milwaukee, (Hybrid/Remote)

Reports To: President & CEO

UMH American Dream, LLC is the finance subsidiary of UMH Properties, Inc., a publicly traded REIT specializing in the ownership and operation of manufactured housing communities. Our mission is to provide responsible, technology-driven financing solutions that make homeownership more accessible while delivering an exceptional customer experience.

We are seeking a highly motivated professional to lead our compliance and financial operations functions and play a key leadership role in the continued growth of UMH American Dream. Reporting directly to the President & CEO, this individual will oversee day-to-day compliance, licensing, and financial operations while partnering with executive leadership, regulators, auditors, and banking partners to ensure the company maintains a strong, scalable, and compliant operating framework as we expand our multi-state consumer lending platform.

This unique opportunity is ideal for a strong accounting and/or consumer finance background who is seeking broad exposure to consumer finance, regulatory compliance, financial operations, and executive leadership.

The successful candidate will work directly with the President & CEO of UMH American Dream and chair the Compliance Committee to supervise the compliance activities and manage its quality assurance and compliance risk. The candidate will play an integral role in ensuring UMH American Dream operates with the highest standards of regulatory compliance, financial integrity, and operational excellence.

Primary Responsibilities

Compliance:

• Lead the day-to-day compliance function for a growing multi-state consumer finance company.
• Coordinate mortgage lender and loan servicing licensing across multiple states.
• Monitor changes in federal and state consumer lending laws and regulations and recommend necessary policy or procedural changes.
• Maintain corporate records, compliance documentation, and licensing files.
• Coordinate regulatory examinations, audits, licensing renewals, and responses to regulatory inquiries.
• Assist in the development and maintenance of compliance policies and procedures.

Financial Operations:

• Lead loan accounting, servicing accounting, reconciliations, and financial operational processes.
• Coordinate monthly reporting, reconciliations, and operational controls.
• Partner with accounting, auditors, regulators, banking partners, and third-party vendors.
• Develop and document financial operations procedures and internal controls.
• The position includes all other responsibilities that may be necessary to fulfill the duties associated with the position or as may be assigned.

Qualifications

Required:

• Accounting, consumer finance, or business background strongly preferred. Candidates with an accounting degree or meaningful financial operations experience are highly encouraged to apply.
• Strong analytical, organizational, and problem-solving skills.
• Excellent written and verbal communication skills.
• High attention to detail and the ability to manage multiple priorities in a fast-paced environment.
• High ethical standards, sound judgment, and strong professional integrity.
• Proficiency with Google Office Suite and/or Microsoft 365/Office and the ability to quickly learn lending, compliance, and financial technology platforms.

Preferred Qualifications:

• Experience supporting a mortgage lender, consumer finance company, bank, manufactured housing lender, or loan servicer.
• Familiarity with federal consumer lending regulations, including TILA, RESPA, ECOA, FCRA, Fair Housing, UDAAP, and related compliance requirements.
• Experience with loan accounting, servicing reconciliations, financial reporting, or operational controls.
• Desire to grow into a senior leadership role overseeing compliance and financial operations.

Physical requirements of the job:

• Frequent use of computer, keyboard, mouse, and phone during the workday.
• No heavy lifting is required.

Work Environment:

• Working indoors in an office environment

Travel:

• Minimal travel to Headquarters one to two times per year.

Work Schedule:

• Full-time schedule, Monday through Friday, 40 hours per week

Job classification:

• This is an exempt position under the Fair Labor Standards Act

Why Join UMH American Dream?

This is a unique opportunity to join a newly established captive finance company backed by a publicly traded REIT and help shape the future of manufactured housing finance. You will work directly with executive leadership and gain hands-on experience across compliance, financial management, lending, loan servicing, technology implementation, and strategic decision-making. As the company grows, this position offers exceptional opportunities for professional advancement into senior leadership.

Compensation & Benefits:

• Competitive salary commensurate with experience.
• Annual performance bonus opportunity.
• Paid time off and company holidays.
• 401(k) with company match.
• Medical/Rx, dental, and vision insurance.
• Voluntary benefit plan options
• Employee Assistance Program
• Professional development and continuing education support.

To Apply:

Qualified candidates should submit a resume and cover letter describing their experience and interest in compliance, consumer finance, legal operations, accounting, and financial services.

UMH American Dream will explore and provide reasonable accommodations to assist any qualified individual with a disability in performing the essential functions of his/her job. Please speak with human resources should you require an accommodation or have any questions.

UMH American Dream is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Candidates please note: You will receive emails regarding the status of your application. Some are autogenerated updates while others are correspondence from our HR team or the hiring manager directly. In some instances, these emails may go to your email SPAM folder. Be sure to check that folder regularly.