Lending Compliance Analyst

Job Description:

• Support the Credit Union’s Compliance Management System through independent, risk-based monitoring and testing
• Assist with development, administration, implementation, and maintenance of the Lending Compliance Program
• Perform detailed HMDA reviews of reportable originated and non-originated mortgage, retail, and commercial loan applications
• Import and export periodic data files and reconcile data populations for completeness
• Validate reportable data against source documentation, host and loan-origination systems, and the Loan/Application Register
• Identify, document, and resolve loan-data exceptions with business units; recommend maintenance and reporting changes
• Validate property addresses, census and geographic information, and clear quality and validity edits
• Meet regulatory timeframes established for Regulation C
• Compile audit and examination documentation and responses
• Develop procedural manuals, job aids, testing scripts, workpapers, dashboards, and management reports
• Compile HMDA and Fair Lending metrics
• Import review packages into the imaging system for record retention
• Execute compliance monitoring and testing according to approved scopes, procedures, methodologies, and schedules
• Assess compliance with federal and state lending requirements, policies, procedures, controls, disclosures, and record-retention requirements
• Document monitoring and testing objectives, scope, samples, procedures, evidence, results, conclusions, and approvals
• Evaluate control design and effectiveness; perform root-cause and impact analysis
• Communicate findings and track corrective actions through remediation and closure
• Conduct compliance, product, and services risk assessments
• Research lending compliance inquiries and escalate novel, high-risk, or legally complex matters
• Review and recommend updates to policies, procedures, forms, disclosures, communications, job aids, and intranet content
• Support compliance reviews of products, services, systems, vendors, decisioning models, workflows, marketing, and member communications
• Participate in regulatory-change impact assessments and implementation monitoring
• Provide practical guidance and training while preserving first-line management ownership
• Support internal audits, external audits, and regulatory examinations
• Escalate material, systemic, repeat, overdue, or potentially consumer-harmful issues
• Maintain current knowledge of applicable lending laws, regulations, guidance, enforcement trends, and industry practices
• Apply fair-lending and UDAAP considerations to monitoring, testing, product reviews, complaints, and corrective actions
• Participate in monthly individual dialogues with the direct manager and perform other assigned duties

Requirements:

• High school diploma or GED required
• Bachelor’s degree in business, finance, accounting, risk management, or a related field preferred
• Two years of financial-institution lending, loan servicing, quality control, audit, risk, or regulatory compliance experience required
• Two years of experience performing HMDA data integrity reviews, compliance monitoring or testing, loan-file reviews, or regulatory reporting preferred
• Two years of knowledge and work experience with financial-industry rules, regulations, and best practices preferred
• Knowledge of consumer and mortgage lending processes and regulatory requirements
• Ability to define problems, evaluate evidence, analyze data, identify patterns, assess risk, and draw conclusions
• Strong attention to detail, organization, documentation, and time-management skills
• Strong written and verbal communication skills
• Ability to work independently, exercise judgment, and escalate matters appropriately
• Ability to collaborate with lending, operations, technology, legal, risk, audit, and other stakeholders while maintaining second-line objectivity
• Ability to learn and use loan origination, servicing, HMDA, imaging, reporting, governance-risk-compliance, and related systems
• Proficient in Microsoft Office; highly proficient in Excel and data analysis
• Ability to work at least 40 hours a week
• Ability to work flexible hours, with infrequent travel and overnight stays
• Must handle sensitive and confidential information with integrity and appropriate safeguards

Benefits:

• Remote position
• Flexible hours
• Professional development and relevant training
• Infrequent travel and overnight stays
• Disability accommodations
• Equal Opportunity Employer