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.

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