Compliance Specialist

Compliance Specialist

This position is responsible for ensuring loan-level legal and regulatory compliance. Work cross functionally within the Legal Department and across departments to review and promote consistent applications of laws, regulations, policy, procedures, and job aides.

Get to know GreenStone: Our $16 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.

Culture: Core Four values steer everything we do at GreenStone. Customer First, Deliver Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. GreenStone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.

What can we offer you? GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company. GreenStone has an outstanding Total Rewards package, which includes, but is not limited to: 15 vacation days, 12 sick days, and 12 paid holidays per year Paid Parental Leave 16 hours of volunteer time 401(k) plan – up to a 9% employer contribution/match Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc. $150/year Logo Wear allowance $400/year Wellness Subsidy/Reimbursement & wellness programs $6,000 lifetime maximum Student Debt repayment or tuition reimbursement programs Yearly bonus/incentive opportunity available to all benefit eligible employees

Loan Review & Compliance Review loan applications, credit approvals, loan data, title work, appraisals, and related documentation to ensure accuracy, completeness, and compliance with internal policies and regulatory requirements. Identify, document, and communicate exceptions or deficiencies, outlining required actions both prior to and following loan closing. Ensure loans maintain proper collateral security and first lien position where applicable. Verify compliance with state and federal regulations throughout the loan origination and closing process.

Documentation & Quality Control Conduct comprehensive reviews of loan documentation packages before closing to ensure accuracy, completeness, and adherence to requirements. Audit loan origination system records for data integrity, accuracy, and regulatory compliance. Confirm all prior-to-close conditions, stipulations, and exceptions have been satisfied. Document and track post-closing requirements and follow-up activities.

Regulatory Compliance & Risk Management Ensure compliance with applicable laws and regulations, including but not limited to: Farm Credit Administration (FCA) Consumer Financial Protection Bureau (CFPB) regulations Truth in Lending Act (TILA) Real Estate Settlement Procedures Act (RESPA) Equal Credit Opportunity Act (ECOA) Home Mortgage Disclosure Act (HMDA) Federal Emergency Management Agency (FEMA) requirements Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) Servicemembers Civil Relief Act (SCRA) Office of Foreign Assets Control (OFAC) Fair Credit Reporting Act (FCRA) Fair and Accurate Credit Transactions Act (FACTA) Military Lending Act (MLA) Maintain current knowledge of regulatory and legal requirements affecting real estate and agricultural lending.

Collaboration & Internal Support Partner with title companies and internal teams including sales, credit, appraisal, operations, and legal to facilitate efficient loan processing and closing. Serve as a subject matter resource for loan documentation, legal, title, collateral, and compliance-related questions. Support departmental initiatives, special projects, process improvements, and employee training efforts.

Specialized Responsibilities Review title commitments, title policies, and collateral analyses to identify and resolve issues affecting loan security. Draft and review legal documents and loan-related instruments as required. Perform legal description platting and property analysis to support collateral review and loan documentation. Assist in resolving complex title, documentation, and compliance matters throughout the loan lifecycle.

What experience can you bring? High School diploma or equivalent is required, Associates degree is preferred. 3+ years working with CFPB regulations as they apply to real estate transactions experience required. 3 years of experience working in a real estate law office, title insurance underwriting, and or working in a legal department for a residential real estate lender is preferred. Must be proficient in computer technology and Microsoft applications. Demonstrated interpersonal skills to successfully communicate both verbally and written. Ability to quickly learn and effectively use new process and procedures to meet business initiatives. Ability to work effectively on teams by building strong relationships, listening to others, valuing opinions, and helping team to meet goals.

GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law.