Compliance Specialist

We are looking for a Compliance Specialist to ensure loan-level legal and regulatory compliance. This role involves cross-functional collaboration within the Legal Department and across other departments to review and promote consistent application of laws, regulations, policies, procedures, and job aids.

About GreenStone

Our $16 billion portfolio serves customers ranging from rural homeowners to global agriculture and food businesses, offering employees the opportunity to maintain a local presence while working for a top workplace. GreenStone’s diverse business structure provides exciting opportunities for passionate, talented professionals, with many team members recognized as experts at both the state and national levels.

Our culture is guided by four core values: Customer First, Deliver Quality, Get Involved, and 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. We foster innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.

Responsibilities

• 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.

Requirements

• High School diploma or equivalent is required; Associate’s degree is preferred.
• 3+ years of experience working with CFPB regulations as they apply to real estate transactions.
• 3 years of experience working in a real estate law office, title insurance underwriting, or a legal department for a residential real estate lender is preferred.
• Proficiency in computer technology and Microsoft applications.
• Demonstrated interpersonal skills to successfully communicate both verbally and in writing.
• Ability to quickly learn and effectively use new processes and procedures to meet business initiatives.
• Ability to work effectively on teams by building strong relationships, listening to others, valuing opinions, and helping the team meet goals.

Benefits

• 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
• $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