Real Estate Originations - Lending Compliance Officer

Real Estate Originations - Lending Compliance Officer Administrative - Horizon Center, 10325 Meanley Drive, San Diego, California, United States of America Job Description Compensation: $78,000 - $98,000 annually Actual compensation within this range will be determined by factors including experience, qualifications, skills, and internal equity. As our Lending Compliance Officer, you’ll serve as the go-to expert on lending regulations, ensuring we stay ahead of evolving requirements while protecting the organization and our members. You’ll work across real estate, consumer, and indirect lending—helping the business operate confidently, compliantly, and efficiently. This is more than monitoring and testing—it’s about influence, insight, and impact. What You’ll Do Lead with expertise : Serve as the primary advisor on federal and state lending regulations, guiding business decisions with confidence. Drive compliance strategy : Support and enhance our lending compliance management program, including regulatory change management and risk assessments. Monitor & test : Conduct risk-based reviews, loan file audits, and transaction testing using data-driven methods. Strengthen controls : Identify gaps, assess control effectiveness, and recommend improvements to mitigate risk. Turn insights into action : Analyze findings, identify trends and root causes, and deliver clear recommendations to leadership. Own issue resolution : Manage remediation efforts from identification through validation of corrective actions. Ensure regulatory accuracy : Review loan documentation and disclosures (TRID, ECOA, FCRA, TILA, RESPA, etc.) for compliance. Support HMDA & fair lending : Oversee data integrity, reporting, and monitoring for potential risk patterns. Partner with auditors & regulators : Serve as a key liaison during exams and audits, ensuring smooth coordination and communication. Influence the business : Collaborate cross-functionally to implement improvements, enhance controls, and drive continuous compliance excellence. What You’ll Bring Experience : 5+ years in compliance, audit, or risk (financial services preferred) Expertise : Strong knowledge of lending regulations and compliance frameworks Analytical mindset : Ability to interpret complex data, identify trends, and solve problems Influence & collaboration : Proven ability to partner with stakeholders and guide decisions Communication skills : Able to translate regulatory requirements into clear, actionable insights Technical skills : Proficiency in Excel and Microsoft Office; familiarity with LOS systems, QA tools, and data platforms (Power BI a plus) What We Offer Competitive compensation 18 days of PTO during your first year 12 paid holidays annually Full 6% 401(k) match Comprehensive medical, dental, and vision coverage Life insurance and additional voluntary benefits Employee wellness resources, including an on-site gym An award-winning workplace culture Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law. #J-18808-Ljbffr Mission-Federal-Credit-Union