Senior Compliance Analyst at District of Columbia Housing Finance Agency – Washington, District of Columbia

The Senior Compliance Analyst performs analysis, compliance review and operational support for the Agency’s Single Family homebuyer programs. This position’s primary responsibilities include: drafting SOPs and manuals, loan file review, file audits, program compliance, regulatory compliance, quality control, and risk management.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for developing, maintaining, and updating internal Single Family operations manuals and standard operating procedures (SOPs) to support operational efficiency and compliance.
• Conduct comprehensive audits of closed loan files (FHA, VA, Conventional, MRB, and TBA) to ensure compliance with federal, state, and Housing Finance Agency (HFA) program guidelines
• Verify the accuracy and completeness of all documentation, including disclosures, closing statements, title commitments, insurance policies, income and asset documentation, AUS findings, and appraisal reports.
• Confirm adherence to TRID, RESPA, TILA, HMDA, ECOA, and other federal compliance regulations.
• Ensure TBA and MRB program compliance by validating borrower eligibility, income limits, purchase price limits, and reservation lock data against program requirements.
• Review data entry accuracy between the Loan Origination System (LOS), and final closing documentation.
• Identify, document, and track post-closing deficiencies
• Perform secondary compliance audits on HPAP, MRB, and TBA loan pools purchase or delivery to ensure data consistency with program reservations and funding requests
• Maintain and update internal post-closing and compliance review checklist
• Support pre and post-delivery reviews, ensuring file documentation aligns with program standards
• Track common error trends and recommend training opportunities and process improvements
• Stay abreast on FHA, VA, Fannie Mae, Freddie Mac, and GNMA program updates, as well as HFA-specific TBA and MRB compliance requirements
• Ensure accurate reporting of borrower data, household income calculations, and acquisition cost limits for MRB loans in compliance with IRS tax-exempt rules
• Verify TBA loan funding aligns with pipeline management and delivery schedules
• Support program reporting, recapture calculations, and annual audit preparation for TBA and MRB programs
• Collaborate with Office of Financial Management to ensure loan-level compliance aligns with bond allocations and pool delivery timelines
• Communicate audit findings and required corrections to internal teams and external lending partners
• Assist in drafting compliance bulletins, process documentation, and training materials specific to TBA/MRB program updates and federal requirements
• Participate in compliance meetings, investor calls, and HFA webinars to maintain up-to-date program knowledge and share updates internally
• Perform other duties as required

KNOWLEDGE AND QUALIFICATIONS:

• Bachelor’s Degree in Business, or another related field or equivalent professional experience
• Certification in Mortgage Compliance preferred
• Ten (10+) years’ experience with mortgage file review and compliance
• Ten (10+) years’ experience in drafting Standing Operating Procedures (SOPs) and manuals
• Knowledge of housing programs specifically DC Open Doors and Home Purchase Assistance (HPAP) preferred
• Understanding of mortgage concepts, practices, and procedures
• Familiarity with CRM software and/or website CMS is a plus
• Advanced experience with Microsoft Excel
• Ability to perform data analysis such as extract useful information from large datasets.
• Possess excellent organizational skills and be detail-oriented
• Good at planning and time management; work efficiently and meet deadlines.

OTHER CHARACTRISTICS:

• Ability to work proactively and operate accurately and efficiently in a fast-paced environment with variable deadlines
• Maintain high ethical standards of integrity and quality
• Ability to work independently and adapt easily to changing priorities.