Mortgage Compliance Cover Letter

I am excited to be applying for the position of mortgage compliance. Please accept this letter and the attached resume as my interest in this position.

In my previous role, I was responsible for support with the maintenance of compliance logs, publication of procedures, CSSF filings, company secretarial administrative duties and general administrative support, where required.

Please consider my experience and qualifications for this position:

• Initiative, drive, self-motivation, good judgment and commitment to assuming roles of increasing responsibility
• Solid understanding of core servicing systems
• Working knowledge of audit/regulatory/investor requirements pertaining to Servicing
• Knowledge of consumer loan and application systems preferred (Empower, ACLS, ACAPS, ePACS, Level III)
• Proven success in researching compliance issues to reach sound conclusions preferred
• Able to work independently or with peers
• Understanding of mortgage servicing, operations, products/services, systems and associated risks/controls
• Advanced knowledge of applicable laws and regulations, particularly TILA, RESPA, FCRA, HMDA, FDPA, ECOA, SAFE Act, ESIGN

I submit this application to express my sincere interest in the mortgage compliance position.

In my previous role, I was responsible for subject matter expertise relative to general mortgage guidelines and industry requirements.

Please consider my experience and qualifications for this position:

• Able to identify, validate and report on trends to ensure compliance
• Computer proficiency (MS Word products, database management)
• Well-developed compliance and problem solving skills and experience
• Practical knowledge of residential mortgage lending is strongly preferred
• General understanding of the internal audit process including risk assessments, planning, scheduling, reporting, continuous auditing
• Able to prioritize workload and balance multiple duties
• Experience creating and using queries to extract data for monitoring and reporting purposes
• Experience performing regulatory compliance assessments and preparing presentations or other meeting materials preferred

In response to your job posting for mortgage compliance, I am including this letter and my resume for your review.

In my previous role, I was responsible for mentorship and guidance to the team on industry best-practices for Sanctions, Airbnb procedures, and Compliance tools.

Please consider my qualifications and experience:

• Mortgage compliance and QC full audit experience preferred
• Able to consistently and independently lead reviews
• Solid product skills with a strong understanding of business, industry and regulatory concepts within assigned lines of business (LOBs)
• Demonstrated knowledge of loss mitigation, foreclosure, and/or bankruptcy requirements
• Previous due diligence or supervisory experience with a financial services firm
• Previous formal compliance training
• Solid conflict resolution, negotiating, and problem-solving skills
• Strong interpersonal skills including but not limited to courtesy, tact, and diplomacy

I would like to submit my application for the mortgage compliance opening. Please accept this letter and the attached resume.

Previously, I was responsible for mortgage compliance guidance to the Dual Employment Operational Risk Surveillance team, the Dual Employment Branch Review team, and the centralized testing and training teams to help preserve compliance with applicable laws and regulations and Firm and Bank policies and procedures.

I reviewed the requirements of the job opening and I believe my candidacy is an excellent fit for this position. Some of the key requirements that I have extensive experience with include:

• Strong judgement skills and risk/reward decision making
• Proficient in analyzing and understanding the regulatory requirements as they pertain to the Loan Estimate and Closing Disclosure
• Quality Control/Compliance experience knowledge of Mortgage systems (both LOS and Image)
• Working knowledge of FNMA/FHLMC/FHA/VA lending guidelines
• Working knowledge of QM, HOEPA, RESPA, HMDA, TILA, FCRA, HMDA
• Working knowledge of loan origination system and compliance system software services
• Extensive knowledge of auditing/compliance, Loan Estimate (LE) & Closing Disclosure (CD)
• History of maintaining an organized approach to managing daily activities while juggling multiple demands

Please consider me for the mortgage compliance opportunity. I am including my resume that lists my qualifications and experience.

In the previous role, I was responsible for guidance in interpreting government regulations, agency guidelines and Medtronic internal policies in general and specific to CAPA to assure compliance.

Please consider my experience and qualifications for this position:

• Strong knowledge of regulatory compliance requirements such as Truth in Lending (TILA), RESPA, ECOA, Flood Hazard Protection Act
• Previous experience as a significant contributor or project manager on regulatory change projects preferred
• Familiarity with eGRC systems, such as Archer (ERMS) preferred
• Experience with mortgage lending
• Efficient at performing research in response to questions raised by the Compliance Department
• A self-motivated professional with sound judgement in making decisions, solving problems and coping with ongoing changes in response to business needs, an ever-changing regulatory environment, and highly sensitive customer demands
• Channel Islands regulatory regime
• Understanding of delivering a DA compliance service and support