Develop and maintain business control frameworks across the mortgage loan lifecycle, including origination through post-closing
Identify operational, compliance, financial, and reputational risks and implement mitigation strategies
Monitor internal controls, conduct risk assessments, root cause analyses, and gap reviews to improve effectiveness and ensure regulatory compliance
Partner with business leaders on process changes, system enhancements, and operational initiatives to assess control impacts and risk exposure
Track and report KRIs, KPIs, control performance, emerging risks, and remediation efforts to leadership
Support quality control, audits, regulatory exams, issue management, remediation tracking, and control testing activities
Ensure compliance with mortgage regulations, agency/investor guidelines, and internal governance standards
Lead, coach, and develop team members by setting performance expectations, providing feedback, managing workloads, and fostering a culture of accountability and continuous improvement
Oversee staffing, training, performance management, and employee development to ensure team effectiveness and operational success
Collaborate cross-functionally to strengthen controls, improve processes, reduce risk, and enhance operational efficiency and customer experience
Maintain policies, procedures, and documentation while leading or supporting governance, compliance, and risk-related projects
Perform additional duties as assigned.

Bachelor’s degree in Business, Finance, Risk Management, Mortgage Banking, Compliance, or related field preferred
5+ years of mortgage lending experience in risk management, business controls, compliance, quality control, audit, operations, or process governance
2+ years of experience managing, coaching, and developing team(s) in a leadership capacity
Strong knowledge of the mortgage loan lifecycle, agency/investor guidelines (FHA, VA, USDA, Fannie Mae, Freddie Mac, GSEs), and federal/state mortgage regulations including TRID, RESPA, TILA, ECOA, HMDA, Fair Lending, and AML-related controls
Experience with risk assessments, control testing, issue remediation, governance frameworks, internal audits, and regulatory examinations
Ability to interpret regulatory requirements and translate them into effective business controls and operational processes
Strong analytical, problem-solving, project management, and cross-functional leadership skills with attention to detail
Excellent written, verbal, and executive-level communication skills
Proficiency with mortgage systems (including Encompass or similar LOS platforms), reporting tools, spreadsheets, and business analytics platforms
Experience in mortgage banking, including retail, wholesale, correspondent, servicing, or other regulated financial services environments
Professional certifications in risk, audit, compliance, or mortgage banking are a plus.

Business Controls Manager – Mortgage Lending

Key skills