Lending Compliance Officer - Fargo

First Community Credit Union•Fargo, ND

9d•Onsite

About The Position

The Lending Compliance Officer plays a key role in supporting FCCU's mission of strengthening communities by helping members grow and thrive. This position ensures the Credit Union's lending operations remain compliant with federal and state regulations by monitoring activities, identifying risks, and maintaining a strong compliance management system. By promoting regulatory adherence and protecting member interests, the Lending Compliance Officer helps safeguard the integrity and stability of FCCU's lending practices. This role is centered on accountability, collaboration, and continuous improvement. The Lending Compliance Officer takes a proactive and analytical approach by conducting reviews, interpreting regulations, and providing guidance to lending and operations teams. Through training, policy development, and ongoing support, this position helps foster a culture of compliance while ensuring processes are efficient, consistent, and aligned with regulatory expectations.

Requirements

Bachelor's degree in finance, business, accounting, or related field (or equivalent combination of education and experience).
Minimum 5 years of experience in compliance, auditing, or financial services.
Strong knowledge of consumer, business, and real estate lending regulations and compliance requirements.
Excellent analytical, organizational, and problem-solving skills with high attention to detail.
Effective communication skills with the ability to interpret and explain complex regulations clearly.
Proficiency in Microsoft Office and ability to manage multiple systems while maintaining confidentiality and accuracy.

Responsibilities

Monitor lending activities to ensure compliance with federal/state regulations (TILA, RESPA, ECOA, HMDA, NCUA guidelines, and others).
Perform compliance testing, loan file reviews, and quality control assessments to identify risks and gaps.
Analyze root causes of compliance issues and recommend corrective action plans, tracking progress to resolution.
Develop, update, and maintain lending policies, procedures, and disclosures aligned with regulatory requirements.
Serve as a compliance advisor to lending staff by interpreting regulations and providing guidance and training.
Support audits and regulatory exams by preparing reports, documentation, and compliance metrics for leadership