Mortgage Licensing Specialist/ 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.

Position Overview: We are seeking a detail-oriented and proactive Licensing Specialist to join our team in the manufactured home/chattel lending and servicing sector. This role will be responsible for managing the company's licensing function—including new and renewing of company and employee (MLO) licensing and the preparation and submission of the NMLS Mortgage Call Report—as well as responding to ad hoc licensing requests and supporting ongoing compliance across our home loan lending and servicing operations.

Key Responsibilities:

• NMLS Mortgage Call Report: Prepare, reconcile, and timely submit the quarterly and annual NMLS Mortgage Call Report (MCR) for all applicable states, ensuring loan origination and servicing data is accurate and reconciles to internal records.

• Company Licensing: Manage new company license applications and renewals in each state where the company originates and/or services home loans, including preparing and submitting applications, amendments, and supporting documentation through NMLS.

• Employee Licensing: Administer new and renewing individual mortgage loan originator (MLO) license applications and registrations, track continuing education, testing, and sponsorship requirements, and maintain employee licensing records in NMLS.

• License Maintenance: Monitor license status, renewal and expiration deadlines, surety bonds, and state-specific conditions; maintain accurate licensing records and ensure ongoing compliance with each jurisdiction's requirements.

• Ad Hoc Licensing Requests: Respond to ad hoc licensing requests from internal stakeholders, state regulators, and examiners, including license verifications, questionnaires, and information requests related to company and employee licensing.

• Other Compliance Support: Support other licensing, reporting, and compliance-related functions as needed for a home loan lending and servicing operation, including assisting with regulatory exams, state reporting, and process improvements.

Qualifications:

• Education: High school diploma or equivalent required. Compliance- or licensing-related certifications are a plus, but not required.

• Experience: 2+ years of experience in mortgage/home loan licensing, NMLS administration, or compliance, preferably in a lending and/or servicing environment.

• Knowledge: Working knowledge of the NMLS platform, Mortgage Call Report requirements, and state company and individual licensing requirements for mortgage lending and servicing.

• Skills: Strong organizational, analytical, and recordkeeping skills, with high attention to detail and the ability to manage multiple deadlines across jurisdictions. Proficiency in the Microsoft Office Suite.

• Communication: Excellent written and verbal communication skills, with the ability to work directly with state regulators and coordinate with internal teams on licensing matters.

Encouraged to Apply:

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

· Mortgage or home loan licensing (company and/or individual MLO)

· NMLS administration and Mortgage Call Report (MCR) reporting

· Mortgage compliance or regulatory reporting

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

• As a participating employer, we will use E-Verify to confirm employment eligibility.

• Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards

At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here’s what we offer right now:

• Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

• Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

• Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

• Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

• Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

• Training & Licensing Support: We invest in your professional growth with resources for training and licensing.

• Paid Time Off: We offer generous PTO—and we encourage you to use it!

• Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.

• Parental Leave: We provide paid parental leave to support you and your growing family.

• No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.

• Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.

• Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits:

• Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.

• Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy’s growth, where every contribution makes a significant impact.

• Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.

• Supportive Culture: You’ll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.

• Diversity & Inclusion: We’re committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.

• Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.

• Meaningful Impact: Be part of a mission-driven team that’s making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.