Lending Compliance Analyst

Hancock Whitney-posted 3 months ago
UNO Center - New Orleans, LA
Credit Intermediation and Related Activities
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Performs analytical and verification functions to ensure compliance with federal regulatory guidelines and internal bank policies and procedures, specifically related to the National Flood Insurance Protection Act. Provides an adequate level of expertise in bank operations, risk management, and problem solving.

  • Performs calculations to ascertain required coverage amount of insurance while adhering to regulatory and internal policy guidelines associated with flood compliance.
  • Reconciles all discrepancies associated with insurance policies prior to loan closings, working closely with insurance agents and appraisers as required.
  • Reviews daily/weekly vendor reports to identify and resolve exceptions associated with all insurance types; Performs periodic assessment of data file sent to vendor for quality assurance.
  • Updates collateral tracking system as required to insure proper tracking of insurance.
  • Performs detailed analysis of HMDA reportable originated and non-originated applications of Mortgage Lending, Retail and Commercial Loans, as stipulated by Reg C.
  • Performs detailed analysis of Small Business/Small Farm reportable commercial loans as defined by the Credit Reinvestment Act.
  • Responsible for importing/exporting monthly extract files from Host systems into reporting software, CRA Wiz.
  • Verifies accuracy of reportable data for each regulation by comparing information on source documents to information on Host systems and within the Loan Application Registers.
  • Identifies exceptions associated with reviews, works closely with various LOB to clear, ascertains accuracy of specific codes and processes applicable maintenance.
  • Responsible for identification of geographical co-ordinates for reportable addresses and clearing validity errors within CRA Wiz.
  • Responsible for importing review packages into imaging system for records retention.
  • Interprets and identifies compliance risks associated with the review. Stays abreast of regulatory changes, federal and state banking laws affecting both regulations.
  • Ability to meet stringent turn-around times established for loan closings and regulatory timelines associated with verification and submission of data; Proficient in addressing large volumes and managing stress.
  • Provides support documentation and compile responses for internal and external audits; Develops procedural manuals and job aids as required.
  • Compiles metrics for unit-based on volume and exception ratios; Assists as needed in department special projects.
  • Bachelor's degree in business administration is preferred or related work experience.
  • 3-5 years Lending Services and/or Compliance experience.
  • Strong verbal and written communication skills to effectively communicate with a variety of audiences and multiple levels of management.
  • Proficient operation of Microsoft Office Products such as Outlook, Word, Excel, and PowerPoint.
  • Ability to establish and maintain a high level of credibility with all levels of internal customers.
  • Detail oriented and ability to prioritize tasks effectively.
  • Strong interpretative skills and ability to make autonomous decisions.
  • Ability to formulate sound conclusions and choose optimal course of action based on analysis.
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