Compliance Officer Job at Sonic Loans, Dearborn, MI

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  • Sonic Loans
  • Dearborn, MI

Job Description

We are looking for a proactive and detail-oriented Compliance Officer to oversee regulatory and operational compliance across our lending (NMLS), real estate brokerage, and title agency divisions. This role is critical in maintaining adherence to RESPA, state/federal lending laws, title licensing requirements, and real estate broker regulations. You will develop, implement, and monitor internal controls, ensuring Sonic's operations remain compliant as we grow. If you have a deep understanding of compliance, preferably with regulatory experience, we're looking for you! Responsibilities:

  • Lead the development, implementation, and management of company-wide compliance programs.
  • Ensure ongoing adherence to RESPA, TILA, ECOA, and other federal/state mortgage and real estate laws.
  • Monitor NMLS and state licensing requirements for all loan officers and entities; oversee renewals and regulatory updates.
  • Maintain compliance with state real estate licensing laws and broker supervision obligations.
  • Oversee ALTA Best Practices and title agency compliance, including escrow trust account procedures, privacy policies, and recording processes.
  • Perform internal audits and risk assessments; address findings with corrective action plans.
  • Partner with leadership and operations to train staff and ensure compliance is built into daily processes.
  • Manage regulator inquiries, examinations, and licensing audits with confidence and precision.
  • Stay informed of changing laws, regulations, and enforcement trends, and proactively advise the business.
  • Draft, revise, and maintain all compliance policies and documentation, including privacy policies, clean desk policy, work from home policy, and more.
Qualifications:
  • Minimum 5 years of compliance experience in mortgage, real estate, or title.
  • Deep knowledge of RESPA and affiliated business arrangements (AfBAs).
  • Familiarity with NMLS licensing and regulatory filings.
  • Experience with real estate brokerage supervision and title company operations.
  • Proven ability to interpret and implement complex federal and state regulations.
  • Strong written communication and documentation skills.
  • Ability to work cross-functionally with executives, legal, operations, and sales.
  • Organized, meticulous, and capable of managing compliance across multiple entities.
About Company: Sonic Loans® is a Michigan-based mortgage lender built for loan officers who want speed, precision, and the ability to close deals efficiently. We provide the tools, support, and flexibility for self-generating loan officers to succeed without the red tape and inefficiencies found at traditional lenders. Here, expertise matters. We've earned a reputation for solving complex financing challenges that other lenders can’t. We know the guidelines inside and out, allowing our loan officers to structure loans strategically, close faster, and deliver a better client experience—without last-minute surprises.

Job Tags

Work from home,

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