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 readiness.

📚 Licensing Policies, Procedures & Documentation

• Contribute to the development and maintenance of internal licensing policies and standard operating procedures.

• Document company, branch, and MLO licensing processes.

• Identify opportunities to improve consistency and accuracy across licensing activities.

• Update procedures as regulatory requirements or internal processes change.

• Maintain accessible records and documentation to support continuity and compliance.

• Help establish clear expectations for licensing responsibilities and workflows.

⚙️ Process Improvement & Operational Efficiency

• Evaluate licensing workflows to identify inefficiencies, recurring issues, and potential compliance risks.

• Recommend improvements to tracking, documentation, communication, and renewal processes.

• Identify opportunities to reduce manual errors and improve licensing visibility.

• Partner with Compliance leadership and other stakeholders to implement sustainable process improvements.

• Support consistent and efficient licensing practices across the organization.

• Evaluate process changes based on their impact on accuracy, timeliness, regulatory compliance, and stakeholder experience.

🤝 Cross-Functional Partnership

• Build strong working relationships with Compliance, Legal, Finance, Operations, and other internal departments.

• Coordinate with stakeholders to obtain information necessary for licensing applications and regulatory filings.

• Communicate licensing requirements, deadlines, and potential risks clearly.

• Support leadership and business teams with licensing-related questions and operational needs.

• Collaborate on regulatory examinations, reporting obligations, and compliance initiatives.

• Promote shared accountability for maintaining accurate and current licensing records.

🔄 Cross-Training & Knowledge Sharing

• Cross-train with other Compliance Team Members to support operational continuity.

• Share licensing knowledge, regulatory updates, and process guidance with colleagues.

• Help ensure critical licensing activities can continue during absences or shifting business priorities.

• Participate in team discussions regarding licensing challenges and process improvements.

• Support a collaborative environment where knowledge is documented and accessible.

• Perform additional duties aligned with business needs, competencies, and experience.

🌈 Team Culture & Accountability

• Demonstrate ownership of licensing responsibilities and regulatory deadlines.

• Maintain a high standard of accuracy, integrity, and professionalism.

• Communicate potential issues early and take initiative to resolve them.

• Encourage collaboration, knowledge sharing, and continuous learning.

• Remain adaptable as regulatory requirements and business needs evolve.

• Demonstrate eLEND's core values through daily actions and stakeholder interactions.

🎯 What You Bring

🏠 Mortgage Licensing Experience

• Minimum of two (2) years of experience with NMLS, company licensing, and MLO licensing.

• Strong understanding of mortgage licensing processes and regulatory requirements.

• Experience managing company, branch, and individual licensing activities.

• Knowledge of licensing applications, renewals, amendments, and sponsorship requirements.

• Ability to navigate licensing processes across multiple states.

💻 NMLS Systems & Filing Expertise

• Hands-on experience using the Nationwide Multistate Licensing System.

• Experience with NMLS company (MU1), control person (MU2), and branch (MU3) filings.

• Ability to prepare, review, and submit accurate licensing applications and amendments.

• Strong understanding of NMLS documentation and recordkeeping requirements.

• Ability to research licensing information and navigate the NMLS Resource Center effectively.

🎓 Education & Licensing Requirements

• Knowledge of MLO pre-licensing education and testing requirements.

• Understanding of annual licensing renewals and continuing education requirements.

• Familiarity with licensing-related background screening requirements.

• Ability to monitor completion of licensing prerequisites and communicate outstanding requirements.

• Strong attention to state-specific education and renewal obligations.

🛡️ Surety Bonds & Regulatory Compliance

• Experience with company and MLO surety bond requirements.

• Understanding of bond riders, continuations, and state-specific bonding obligations.

• Ability to research regulatory requirements and apply them to licensing processes.

• Familiarity with Mortgage Call Reports and state regulatory reporting requirements is a plus.

• Commitment to maintaining compliance and minimizing regulatory risk.

📊 Organization & Deadline Management

• Strong organizational skills with exceptional attention to detail.

• Ability to manage multiple licensing activities, regulatory deadlines, and competing priorities.

• Experience maintaining accurate records and tracking outstanding requirements.

• Ability to work independently while maintaining accountability for assigned responsibilities.

• Proactive approach to identifying potential delays and resolving issues before deadlines.

🔍 Research & Problem Solving

• Strong analytical and problem-solving skills.

• Ability to research complex licensing questions and interpret state-specific requirements.

• Sound judgment in identifying when additional guidance or escalation is necessary.

• Ability to investigate discrepancies and determine appropriate corrective actions.

• Resourceful and proactive approach to navigating regulatory challenges.

🤝 Communication & Collaboration

• Excellent written and verbal communication skills.

• Ability to explain licensing requirements clearly to MLOs and internal stakeholders.

• Strong interpersonal skills and a collaborative working style.

• Comfortable partnering with Compliance, Legal, Finance, and other business functions.

• Commitment to providing timely, professional, and solutions-focused support.

🔄 Adaptability & Continuous Learning

• Self-motivated and detail-oriented, with the ability to work independently.

• Willingness to learn and grow within mortgage compliance.

• Ability to adapt to evolving regulatory requirements, systems, and business priorities.

• Proactive mindset and curiosity about changing state licensing requirements.

• Commitment to professional development and continuous process improvement.

🌈 Values & Professional Standards

• Ability to demonstrate eLEND's core values through daily actions and decisions.

• Strong sense of ownership, accountability, and integrity.

• Commitment to accuracy, compliance, teamwork, and continuous improvement.

• Professional judgment when handling regulatory matters and sensitive licensing information.

• Ability to contribute positively to a collaborative and service-focused environment.

🪑 Physical & Work Environment Requirements

• Ability to perform desk-based responsibilities involving prolonged sitting and intermittent standing and walking.

• Ability to perform routine computer and administrative tasks, including typing, writing, dialing, and handling documents.

• Visual acuity sufficient for computer-based work and hearing sufficient for routine workplace communication.

• Ability to lift, carry, push, and pull up to 20 pounds.

• Reasonable accommodations are available upon request with relevant documentation.

📆 A Day in the Life

Your day may include:

• Reviewing NMLS licensing statuses for company, branch, and individual MLO licenses.

• Monitoring upcoming renewal deadlines and outstanding licensing requirements.

• Preparing and submitting MU1, MU2, MU3, and individual MLO licensing filings.

• Coordinating new licensing applications, amendments, and sponsorship updates.

• Researching state-specific licensing requirements and regulatory changes.

• Following up with MLOs regarding education, testing, background screening, and renewal obligations.

• Reviewing company and MLO surety bond requirements and upcoming expirations.

• Preparing Mortgage Call Reports or coordinating reporting information with Finance.

• Responding to licensing questions from MLOs, leadership, and internal departments.

• Investigating licensing discrepancies and determining corrective actions.

• Partnering with Compliance and Legal on regulatory inquiries or examination requests.

• Updating licensing records, tracking tools, and supporting documentation.

• Reviewing upcoming regulatory deadlines and prioritizing time-sensitive activities.

• Identifying opportunities to improve licensing workflows and reduce compliance risk.

• Sharing regulatory updates and licensing knowledge with Compliance Team Members.

• Reinforcing a culture of ownership, accuracy, accountability, and proactive compliance.

💰 Compensation & Benefits

• Annual base salary: $86,600–$108,250

• Comprehensive medical, dental, and vision coverage

• 401(k) plan with company participation

• Paid time off and company holidays

• Professional development and career growth opportunities

• Access to tools, technology, and resources that support regulatory compliance and operational success

• Collaborative and growth-oriented team environment

💼 Worksite

Worksite arrangement: Hybrid, Tampa, FL or Remote

• Compliance-focused role supporting eLEND's company, branch, and individual MLO licensing operations.

• Responsible for maintaining licensing compliance across applicable states.

• Works closely with Compliance, Legal, Finance, Mortgage Loan Originators, and other internal stakeholders.

• Provides hands-on support for NMLS filings, renewals, regulatory reporting, surety bonds, and licensing-related inquiries.

• Requires consistent attention to regulatory deadlines, documentation accuracy, and proactive issue resolution.

⭐ How You'll Elevate the Experience

This role lives at the intersection of Own It and Be Curious.

Own It defines this position. Licensing deadlines are established by regulators, and missing a critical filing or renewal can prevent an MLO from originating loans or interrupt eLEND's ability to conduct business in a state. You will take accountability for maintaining accurate licensing records, anticipating deadlines, resolving discrepancies, and ensuring requirements are completed before they become operational risks. Ownership means not simply identifying an issue, but seeing it through to resolution.

Be Curious is equally essential. Mortgage licensing requirements vary by state, and regulatory expectations continue to evolve. You will actively research changes, ask thoughtful questions, challenge outdated processes, and seek opportunities to strengthen our licensing practices. Rather than waiting for regulatory changes to create problems, you will stay informed and help the organization prepare proactively.

Ultimately, you will help create a licensing function that is accurate, proactive, accountable, knowledgeable, and committed to protecting eLEND's ability to serve our clients while elevating the experience of our Mortgage Loan Originators and internal partners.

🌈 Equal Opportunity for All

At eLEND, we are committed to building a diverse and inclusive workplace where all team members are respected, supported, and empowered to succeed. Employment decisions are based on qualifications, experience, and business needs, ensuring equitable opportunities for all individuals regardless of background or identity.

💬 Stay Connected

Join today to connect with our team, stay informed about upcoming roles, and explore how your mortgage licensing expertise, regulatory knowledge, attention to detail, and commitment to proactive compliance can help elevate the licensing experience at eLEND.