Lead Compliance Specialist

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

We are seeking an experienced and highly motivated Lead Compliance Specialist to join our team in the manufactured home and chattel lending and servicing sector. This individual must be a proven self-starter who requires minimal direction and can independently take ownership of assignments. The successful candidate will demonstrate significant expertise in compliance and regulatory matters within mortgage and/or manufactured housing chattel loan operations. The role requires the ability to understand the desired end result of a task and drive it through to completion with minimal oversight, while effectively balancing multiple projects and adapting to shifting business priorities.

Key Responsibilities:

• Regulatory Expertise: Monitor and interpret changes in federal and state regulations impacting mortgage and manufactured housing chattel lending and servicing. Translate requirements into practical business solutions.

• Project Management: Lead compliance-related projects across business functions from concept through implementation. Effectively manage multiple assignments with competing deadlines while ensuring alignment with regulatory expectations and company objectives.

• Research and Analysis: Conduct advanced research on regulatory developments and industry trends. Identify risks, close compliance gaps, and recommend enhancements to existing frameworks.

• Policy and Procedure Development: Draft, revise, and maintain compliance policies and procedures with little guidance, ensuring alignment with both regulatory requirements and company goals.

• Adaptability: Adjust quickly to frequent changes in objectives, goals, and needs, ensuring that compliance priorities remain aligned with business direction.

Qualifications:

• Education: High school diploma or equivalent required. Bachelor’s degree and/or compliance related certifications are a plus but not required.

• Experience: Minimum 5 years of direct compliance and regulatory experience in mortgage lending and/or servicing, with a strong preference for manufactured housing chattel loan expertise.

• Knowledge: In-depth knowledge of regulations governing mortgage lending, servicing, and/or chattel loan operations.

• Skills: Strong analytical, organizational, and project management skills, with the ability to manage competing priorities in a fast-paced environment. Proficiency with Microsoft Office Suite.

• Communication: Ability to clearly and confidently convey complex regulatory requirements to leadership, regulators, and cross-functional teams. Skilled at drafting clear and actionable compliance guidance.

If you have experience in any of the below areas, we encourage you to apply.

• Mortgage compliance

• Mortgage quality assurance or control (lending and/or servicing)

• Mortgage risk management

• Mortgage loan originations (originating, processing, underwriting, closing)

• Mortgage servicing (current loans, default, bankruptcy, loss mitigation, etc.)

• Mortgage internal audit

Ideal Candidate Profile

The ideal candidate thrives in an environment with minimal structure, quickly identifies the path forward, and takes ownership of complex compliance initiatives. They bring deep regulatory knowledge, strong judgment, and the ability to see both the details and the broader regulatory strategy needed to keep the organization protected.

Important Applicant Information

• While many of our interviews are conducted virt