Fair and Responsible Banking Data Analyst

Hancock Whitney•New Orleans, LA

About The Position

The Fair and Responsible Banking Data Analyst supports compliance with fair lending and community reinvestment requirements — specifically Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). The role involves advanced data analytics, model oversight, monitoring, dashboarding, and supporting senior management and regulators in assessing risk across the bank’s product, service and geographic footprint.

Requirements

Bachelor’s degree (mathematics, statistics, economics, data science or equivalent) + ≈ 5 years’ relevant experience; OR Master’s in a quantitative field + ≈ 3 years; OR PhD in quantitative field with <2 years experience.
Certification or experience in SAS programming, SQL or other programming languages.
Experience with Power BI (or other visualization tools) required.
Knowledge of model-risk management concepts as applied to fair lending/compliance.
Demonstrated knowledge of ECOA, FHA, HMDA, CRA, UDAAP and discrimination risk concepts, fair-lending procedures and regulatory expectations.
Ability to travel if required to perform the essential job functions
Ability to work under stress and meet deadlines
Ability to operate related equipment to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions.

Nice To Haves

Experience with a fair-lending analytics tool (e.g., RiskExec or similar).

Responsibilities

Perform loan-level and product-level analyses (using SAS, SQL, Power BI, etc) to assess potential disparities in underwriting, pricing, redlining, steering, and other fair-lending risk drivers.
Develop and maintain workpapers documenting scope, assumptions, methodology, and outcomes for each analysis.
Run CRA lending performance reports (including for Low and Moderate Income [LMI] and underserved geographies), support demographic/mapping analysis for CRA assessment-areas.
Produce dashboards, summary reports, and presentations capturing FARB/CRA risks, emerging trends and key risk indicators (KRIs) for senior management, audit and regulatory reviews.
Draft and maintain written procedures for analytical standards and techniques under the program.
Collaborate with model validation teams on regression and other statistical/model-based reviews of products, pricing or underwriting to assess for bias/disparate impact.
Ensure interpretations and conclusions are properly documented.
Develop, maintain and monitor KRIs for fair-lending risk and trend identification.

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