Mortgage Regulatory Counsel
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Job Description
Mortgage Regulatory Counsel interpreting regulations and validating compliance systems for CrossCountry Mortgage, a nationwide retail mortgage lender. Guiding disclosures, documents, workflows, testing, and vendor integrations.
Responsibilities:
- Serve as the primary legal resource for fee, disclosure, document, and document-vendor matters
- Interpret federal and state mortgage regulations and provide guidance on fee treatment, disclosure timing and content, document triggers and packages, and workflow requirements
- Conduct legal research and analysis on mortgage regulatory questions
- Translate legal requirements into practical guidance and decision points for Compliance, QA, Technology, and business teams
- Review and approve regulatory requirements, interpretations, and legal positions before implementation where appropriate
- Evaluate system configurations, document logic, disclosures, workflows, and outputs for regulatory compliance
- Review testing results, findings, and evidence to determine whether system behavior and document output meet legal expectations
- Determine pass/fail conclusions and identify required follow-up questions, testing, requirement changes, or configuration updates
- Partner with Technology, Operations, Compliance, and external vendors to resolve legal, system, and document-generation questions
- Support implementation and maintenance of document-vendor legal requirements in the loan origination system
- Document legal interpretations, decisions, issue resolutions, and review conclusions for implementation, audit, examination, and internal review
- Provide timely legal input on open issues, exceptions, and questions
- Identify emerging legal issues, gaps, inconsistencies, and risks and communicate needed actions to stakeholders
Requirements:
- Juris Doctor (JD) from an accredited law school
- Active license to practice law in at least one U.S. jurisdiction
- Experience practicing in mortgage, consumer financial services, regulatory compliance, or a related legal field
- Advanced knowledge of mortgage regulatory requirements
- Experience with mortgage fees, disclosures, documents, and related regulatory requirements preferred
- Experience supporting loan origination system document logic, disclosure behavior, or document-vendor integrations preferred
- Experience with loan origination systems, disclosure processes, document review, or vendor-managed document solutions preferred
- Experience with DocMagic is a plus
- Comfortable collaborating across Legal, Compliance, Technology, Operations, and external vendors
- Advanced legal research and analytical skills
- Ability to interpret complex federal and state regulatory requirements and apply them to business processes, system functionality, and document outputs
- Ability to determine whether system configurations, workflows, and outputs satisfy legal requirements
- Advanced judgment in identifying issues requiring formal legal interpretation versus practical clarification or guidance
- Excellent communication skills and ability to translate legal concepts into actionable guidance
- Ability to manage multiple legal questions, reviews, and workstreams while meeting deadlines
- Ability to identify gaps, inconsistencies, or risks in requirements, testing results, documentation, or system behavior
- Excellent attention to detail
Benefits:
- Competitive compensation plan
- Medical insurance
- Dental insurance
- Vision insurance
- 401K
- Company-provided short-term disability
- Employee assistance program
- Wellness program
- Robust benefits package
- Culture supporting employee growth and engagement
- Equal employment opportunity and diversity and inclusion culture
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