Purpose and Job Summary:
The Insurance Compliance Associate Director is responsible for leading insurance compliance operations across a commercial loan servicing portfolio, ensuring adherence to investor, regulatory, and servicing requirements while proactively mitigating portfolio risk. This role provides strategic leadership over team execution, performance, and process optimization, ensuring consistent delivery against service level agreements and audit standards.
In addition to maintaining subject matter expertise, the Associate Director plays a critical role in driving operational efficiency, developing team capabilities, and leading cross-functional initiatives. This position requires strong leadership, sound judgment, and the ability to translate complex insurance and regulatory requirements into scalable processes that support business objectives and protect the lender’s collateral position.
Essential Duties and Responsibilities:
Lead team execution by managing workloads, aligning resources, and ensuring delivery against established SLAs and performance metrics
Establish and monitor KPIs, quality control frameworks, and reporting mechanisms to drive performance and audit readiness
Delegate effectively and empower direct reports to deliver results, providing clear direction, accountability, and support
Oversee portfolio risk management, including prioritization of high-risk items, non-compliance resolution, and escalation management
Lead and coordinate lender and investor audits, including preparation, response, and remediation activities
Manage insurance compliance processes for specialized portfolios, including investor-specific requirements (e.g., Freddie Mac, Fannie Mae, FHA/HUD)
Serve as a subject matter expert, maintaining a strong understanding of insurance coverage requirements, servicing standards, and evolving market conditions
Drive development and enhancement of policies, procedures, and operating models to support scalability and efficiency
Lead implementation of process improvements, technology enhancements, and automation initiatives in partnership with IT and product teams
Conduct training programs for new hires and ongoing development for team members to ensure consistency and knowledge depth
Provide coaching, mentorship, and performance management to direct reports, supporting career development and leadership readiness
Maintain ongoing communication with team members through regular touchpoints to ensure alignment, engagement, and issue resolution
Partner cross-functionally with internal stakeholders (e.g., servicing, asset management, risk, and legal) to address complex issues and align on priorities
Translate operational challenges into strategic solutions that reduce risk exposure and improve workflow efficiency
Contribute to departmental and enterprise-wide strategic initiatives, representing insurance compliance in leadership forums as needed
Develop and support testing plans for system enhancements, including requirements definition, defect tracking, and user acceptance testing
Execute lender-placed insurance and remediation strategies to ensure gaps in coverage are addressed and the lender’s interest remains protected
Manage pre-securitized or investor-specific loan requirements, including reporting and delivery of required summaries (e.g., ICT updates)
Perform additional duties and lead special projects, as assigned
Travel Requirements - Up to 10%
Education, Skills and Experience:
Bachelor’s degree or equivalent professional experience required
6–10 years of experience in commercial insurance, loan servicing, or a related field
Advanced subject matter expertise in insurance coverages, including Property, General Liability, Auto, Crime, Flood, Wind/Named Storm, and Earthquake
Deep understanding of commercial loan servicing insurance requirements and investor guidelines (Fannie Mae, Freddie Mac, FHA/HUD, etc.)
Proven ability to independently assess and mitigate portfolio risk, ensuring…