Mortgage Licensing Analyst

🏡 About Us

At eLEND, we are committed to delivering an exceptional mortgage experience through innovation, technology, operational excellence, and client-focused partnership. Our Compliance team plays a critical role in protecting the organization, supporting our Mortgage Loan Originators (MLOs), and ensuring we meet licensing and regulatory requirements across the states in which we operate.

The Mortgage Licensing Analyst is responsible for managing and maintaining company, branch, and individual MLO licensing through the Nationwide Multistate Licensing System (NMLS). This role oversees licensing applications, renewals, amendments, regulatory reporting, continuing education requirements, and related compliance activities.

This position serves as a key connection point between Compliance, Legal, Finance, Mortgage Loan Originators, and business leadership, helping ensure licensing requirements are met accurately, efficiently, and within regulatory deadlines.

✨ Why This Role Matters

As a Mortgage Licensing Analyst, you will help protect eLEND's ability to conduct mortgage lending operations while ensuring our company, branches, and MLOs remain appropriately licensed and authorized to do business.

You will manage licensing processes from beginning to end, monitor regulatory deadlines, maintain accurate NMLS records, and proactively identify potential compliance gaps before they impact operations.

Success means maintaining a proactive, accurate, organized, and compliant licensing function that supports business continuity, reduces regulatory risk, and provides a seamless experience for our MLOs and internal stakeholders.

🛠️ Key Responsibilities

🏢 Company & Branch Licensing

Oversee and manage the complete licensing lifecycle for eLEND's company and branch licenses across applicable states.

Prepare, submit, and maintain company licensing applications, renewals, and amendments through NMLS.

Manage company (MU1) and branch (MU3) filings, ensuring information remains accurate and current.

Coordinate new state licensing applications and existing license maintenance.

Monitor licensing requirements to ensure company and branch authorizations remain active and compliant.

Identify and resolve licensing discrepancies before they impact business operations.

👤 Mortgage Loan Originator Licensing

Manage the complete MLO licensing process, including initial applications, renewals, amendments, and sponsorships.

Prepare and submit required NMLS filings for individual MLOs.

Track individual licensing statuses and identify outstanding requirements.

Coordinate licensing activities to support MLO onboarding, transitions, and ongoing compliance.

Maintain accurate records of individual licenses, sponsorships, and associated documentation.

Serve as a primary resource for MLO licensing questions and provide clear, timely guidance.

📝 NMLS Filings & Regulatory Documentation

Prepare, review, and submit accurate NMLS filings within established regulatory deadlines.

Maintain company, branch, and individual licensing records.

Manage MU2 filings for control persons and ensure required updates are submitted when company leadership, ownership, or other relevant information changes.

Process licensing amendments and regulatory notifications as required.

Review submitted information for completeness, consistency, and accuracy.

Maintain supporting documentation to ensure licensing records are organized and accessible.

📆 License Renewals & Deadline Management

Coordinate and execute the annual company, branch, and MLO licensing renewal process.

Maintain visibility into licensing expiration dates, renewal windows, and state-specific requirements.

Establish proactive tracking and follow-up processes to ensure deadlines are met.

Identify outstanding documentation, education, or other requirements that could delay renewals.

Communicate renewal expectations and deadlines to appropriate stakeholders.

Resolve potential renewal issues before they create licensing lapses or operational interruptions.

🎓 Pre-Licensing & Continuing Education Compliance

Monitor MLO pre-licensing education and testing requirements.

Track continuing education requirements across applicable states.

Verify completion of required education before applicable renewal deadlines.

Monitor background screening requirements associated with MLO licensing.

Communicate outstanding requirements and provide guidance to MLOs.

Maintain accurate documentation of education, testing, and screening compliance.

📊 Regulatory Reporting & Mortgage Call Reports

Prepare and submit Mortgage Call Reports and other required NMLS and state regulatory reports.

Monitor applicable reporting schedules and submission deadlines.

Partner with Finance and other departments to obtain necessary reporting information.

Review reporting information for accuracy, completeness, and consistency.

Maintain documentation supporting regulatory submissions.

Identify and resolve reporting discrepancies before filing deadlines.

🛡️ Surety Bond Management

Monitor and maintain company and MLO surety bond requirements across applicable states.

Coordinate bond applications, renewals, riders, and continuations.

Track state-specific bonding requirements and ensure appropriate coverage remains in place.

Maintain accurate bond documentation and expiration records.

Identify potential bonding gaps and coordinate timely resolution.

Support ongoing compliance with applicable state surety bond regulations.

🔍 State Regulatory Research & Compliance Monitoring

Maintain working knowledge of state-specific mortgage licensing laws, regulations, and requirements.

Utilize the NMLS Resource Center and other regulatory resources to research licensing requirements.

Monitor changes to state licensing rules, application requirements, renewal processes, and reporting obligations.

Evaluate how regulatory changes may affect company, branch, and MLO licensing.

Communicate relevant regulatory updates to Compliance leadership and impacted stakeholders.

Proactively identify compliance risks and recommend appropriate next steps.

🚨 Licensing Issue Resolution & Risk Prevention

Identify and investigate licensing discrepancies, incomplete filings, outstanding requirements, and potential compliance concerns.

Research licensing issues and determine appropriate corrective actions.

Coordinate with internal stakeholders and regulatory resources to resolve issues.

Escalate complex licensing matters when additional expertise or leadership involvement is required.

Maintain clear documentation of issues, corrective actions, and resolutions.

Take a proactive approach to preventing missed deadlines, license lapses, and regulatory deficiencies.

🤝 MLO & Internal Stakeholder Support

Serve as a primary point of contact for company and individual licensing questions.

Provide timely, accurate, and solutions-focused guidance to MLOs and internal stakeholders.

Help MLOs understand licensing requirements, renewal responsibilities, and outstanding action items.

Assist with licensing, sponsorship, and registration requirements for non-MLO Team Members, including Loan Originator Assistants and Processors, as applicable.

Maintain professional and effective communication throughout the licensing process.

Support a positive experience by making complex licensing requirements easier to understand and navigate.

⚖️ Regulatory Examinations & Inquiries

Partner with Compliance, Legal, Finance, and other departments on licensing-related regulatory matters.

Assist with state examinations, regulatory inquiries, and requests for licensing documentation.

Gather and organize records necessary to support regulatory reviews.

Research licensing questions and provide accurate supporting information.

Escalate potential compliance concerns to appropriate stakeholders.

Maintain organized documentation that supports regulatory re