Joe Wilson has extensive experience in the mortgage lending industry and is a trusted advisor to clients in aligning their business objectives and results. He is proficient in policy creation and implementation and bringing sensible processes to bear on organizational risk.

His background includes a private practice focused on administrative law, regulatory law and enforcement actions, along with trial practice in all state and federal courts handling a range of legal matters involving mortgage banking, municipal law, real estate, and general and appellate litigation.

Prior to joining Bradley, Joe served as general counsel, chief legal officer, and chief risk officer for an independent mortgage banker. He managed multiple departments, including Legal, Risk, Compliance, Quality Control, Human Resources, and Diversity and Inclusion. His duties included implementing and oversight for the regulatory compliance management system (including compliance with Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Unfair, Deceptive or Abusive Acts or Practices (UDAAP) / Unfair or Deceptive Acts or Practices (UDAP), Regulation N/MAP Rule, Regulation Z/Loan Originator Compensation Rule, Vendor Management, Appraisal Independence Requirements (AIRS), Government-Sponsored Enterprise (Fannie Mae, Freddie Mac) guidelines, Fair Lending and Home Mortgage Disclosure Act (HMDA) compliance, TILA-RESPA Integrated Disclosures (TRID), Vendor Management and Vendor Contracts, and the Anti-Money Laundering provisions of the Bank Secrecy Act ); functioning as the principal point of contact and coordinator with regulatory examiners, external and internal auditors (agencies, states, internal/external, pre-fund and third-party quality control); managing litigation (including outside counsel); high-level monitoring of loan quality and deficiencies in the loan manufacturing process; and contract negotiation and review. Joe advised senior management on evolving areas of the lending industry and mitigated risk while facilitating growth.

Bar Admissions

• Alabama, 1994

Education

• Cumberland School of Law at Samford University, J.D., 1994
• Auburn University, B.A., 1991