Real Estate Originations - Lending Compliance Officer

Hybrid | San Diego, CA Lending Compliance Officer 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. Why Mission Fed? Our culture is guided by six core values: Integrity Service Commitment Teamwork Trust Communication When you join Mission Fed, you'll become part of an award-winning organization that invests in its people, supports professional growth, and remains deeply connected to the communities we serve. 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 Career development opportunities An award‑winning workplace culture What You’ll Do Serve as the primary advisor on federal and state lending regulations, guiding business decisions with confidence. Support and enhance our lending compliance management program, including regulatory change management and risk assessments. Conduct risk‑based reviews, loan file audits, and transaction testing using data‑driven methods. Identify gaps, assess control effectiveness, and recommend improvements to mitigate risk. Analyze findings, identify trends and root causes, and deliver clear recommendations to leadership. Manage remediation efforts from identification through validation of corrective actions. Review loan documentation and disclosures (TRID, ECOA, FCRA, TILA, RESPA, etc.) for compliance. Oversee data integrity, reporting, and monitoring for HMDA & fair lending risk patterns. Serve as a key liaison during exams and audits, ensuring smooth coordination and communication. Collaborate cross‑functionally to implement improvements, enhance controls, and drive continuous compliance excellence. What You’ll Bring 5+ years in compliance, audit, or risk (financial services preferred). Strong knowledge of lending regulations and compliance frameworks. Analytical mindset: ability to interpret complex data, identify trends, and solve problems. Proven ability to partner with stakeholders and guide decisions. Excellent communication skills, able to translate regulatory requirements into clear, actionable insights. Proficiency in Excel and Microsoft Office; familiarity with LOS systems, QA tools, and data platforms (Power BI a plus). Build a Career with Purpose At Mission Federal Credit Union, we believe in people helping people—and that starts with our Team Members. For more than 60 years, Mission Fed has proudly served San Diego, helping individuals, families, and businesses achieve financial well‑being. We're committed to creating a workplace where people feel valued, supported, and empowered to make a meaningful impact. If you're looking for an opportunity to grow your career, make a meaningful difference, and contribute to an organization that values its people and its purpose, we'd love to hear from you. Apply today and help us create brighter financial futures for our members, our communities, and one another. Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act ("CCPA") / California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who are subject to the CCPA/CPRA. 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 Fed Credit Union