Lending Compliance Fair Lending Officer

External Candidates Only•Terrell, TX

About The Position

The Lending Compliance / Fair Lending Officer is responsible for design, implementation, and administration of the Bank's Fair Lending and Lending Compliance Programs including compliance with federal and state law's/regulations establishing monitoring controls. Identify, assess, monitor, and mitigate lending compliance risks across all lending lines of business. Provide oversight and establish the framework for enterprise-wide lending compliance activities/ Partner with compliance, operational risk, and other second-line functions to support integrated risk assessments and governance. Lead the monitoring of the fair lending and lending compliance function to ensure compliance with all lending compliance regulations and fair and responsible banking Review lending systems records and lending operations to identify violations and program regulatory deficiencies Lead development and execution of lending compliance and fair lending risk assessments Evaluate risk exposure and ensure Leadership is continuously informed of all aspects of the Bank's lending compliance and fair lending risk management activities Analyze and communicate the impact of laws and regulations on policies, procedures, new and existing products as well as analyze results from external and internal fair lending fair lending and lending compliance audits, risk assessments, and exams Perform HMDA analytics of lending data to detect potential disparities in underwriting in underwriting, pricing, redlining, and steering, by providing monthly/quarterly reports to identify trends and/or patterns of concern and escalate further investigation Provide maintenance, follow-up and support for the Bank's HMDA data collection, tracking and reporting software systems; responsible for HMDA data integrity; submit such information to senior management within assigned timelines Assist with developing and implementing lending and deposit programs, products and service for customers in majority minority areas; ensure the Bank meets the needs of the community it serves and attains fair lending compliance goals; develops and responds to community concerns as they arise

Requirements

Bachelor's degree or equivalent work experience.
Certified Regulatory Compliance Manager or other similar designation required
7-10 years related experience in lending compliance and fair lending.
Must have a working knowledge of lending and fair lending laws and regulations including but not limited to the Equal Credit Opportunity Act (ECOA), RESPA, Truth in Lending (TILA), Military Lending Act (MLA), Mortgage Servicing, Flood, Servicemembers Civil Relief Act (SCRA), SAFE Act, Homeownership Counseling, Homeowners Protection Act, E-Sign, Credit by Bank and Persons other than Brokers or Dealers for the Purpos of Purchasing or Carrying Margin Stock (Regulation U), Loans to Executive Officers, Directors, and Principle Shareholders of Member Banks (Regulation O), Home Mortgage Disclosure Act (HMDA), Fair Credit Reporting Act (FCRA), Fair Housing Act (FHA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and related regulations, guidelines, etc.
Proficient in Microsoft Office (Outlook, Word, Excel and PowerPoint), Adobe Acrobat, and Social Media web platforms; basic keyboarding and calculator skills; must be able to perform math and carry out complex written instructions
Travel to a variety of locations to perform work and/or attend meetings as require
Work may occasionally requires more than 40 hours per week to perform the essential functions of the position
Lifting in an office setting up to 30lbs.

Nice To Haves

Strong knowledge of all lending compliance and fair lending regulations and OCC guidance.
Proficient in statistical analysis tools and techniques (regression analysis, disparity testing)
ANBTX strongly encourages candidates that are fluent in English and Spanish to apply. Jobs that specifically require candidates to be bilingual will be posted as a requirement.

Responsibilities

Design, implementation, and administration of the Bank's Fair Lending and Lending Compliance Programs
Compliance with federal and state law's/regulations establishing monitoring controls
Identify, assess, monitor, and mitigate lending compliance risks across all lending lines of business
Provide oversight and establish the framework for enterprise-wide lending compliance activities
Partner with compliance, operational risk, and other second-line functions to support integrated risk assessments and governance
Lead the monitoring of the fair lending and lending compliance function to ensure compliance with all lending compliance regulations and fair and responsible banking
Review lending systems records and lending operations to identify violations and program regulatory deficiencies
Lead development and execution of lending compliance and fair lending risk assessments
Evaluate risk exposure and ensure Leadership is continuously informed of all aspects of the Bank's lending compliance and fair lending risk management activities
Analyze and communicate the impact of laws and regulations on policies, procedures, new and existing products
Analyze results from external and internal fair lending fair lending and lending compliance audits, risk assessments, and exams
Perform HMDA analytics of lending data to detect potential disparities in underwriting in underwriting, pricing, redlining, and steering, by providing monthly/quarterly reports to identify trends and/or patterns of concern and escalate further investigation
Provide maintenance, follow-up and support for the Bank's HMDA data collection, tracking and reporting software systems; responsible for HMDA data integrity; submit such information to senior management within assigned timelines
Assist with developing and implementing lending and deposit programs, products and service for customers in majority minority areas
Ensure the Bank meets the needs of the community it serves and attains fair lending compliance goals
Develops and responds to community concerns as they arise