Risk, Compliance & Loan Analyst

Liberty Bank•Middletown, CT

1d•Onsite

About The Position

The Risk, Compliance & Controls Analyst will be responsible for operational and credit risk oversight within Retail Lending, and responsible for developing and managing Key Risk Indicators (KRIs). This role will partner with all leaders and teammates within Retail Lending and be the primary liaison with Risk, Credit, Operations, and other key partners. The Risk & Compliance Analyst – Retail Lending is responsible for supporting the identification, assessment, monitoring, and mitigation of regulatory and operational risks across the retail lending portfolio. This role partners closely with lending, credit, operations, and audit teams to ensure compliance with applicable consumer protection regulations and internal policies throughout the retail lending lifecycle. The ideal candidate brings strong regulatory knowledge, analytical skills, and experience in consumer lending environments, with the ability to translate regulatory requirements into practical business controls.

Requirements

Bachelor’s degree in finance, Business, Accounting, Economics, Risk Management, or a related field or equivalent work experience.
5+years of experience in risk management, compliance, audit, or lending operations within a banking or financial services environment
Experience supporting retail or consumer lending products (e.g., personal loans, credit cards, auto loans, mortgages, HELOCs); in high‑volume or growth‑oriented consumer lending environments.
Hands‑on exposure to compliance testing, monitoring, or quality assurance in lending.
Exposure to CFPB examination readiness.
Strong understanding of consumer lending regulations
Experience analyzing loan or risk data and identifying trends
Strong attention to detail and documentation skills.
Effective written and verbal communication.
Ability to explain regulatory concepts to non-technical audiences
Strong critical thinking and sound risk judgment.
Proven ability to manage multiple priorities in a fast-paced environment.
Proficiency in Microsoft Excel (pivot tables, lookups, data analysis).

Nice To Haves

Experience with SQL, BI tools, SAS, or Python is a plus
Familiarity with GRC tools (e.g., Archer, ServiceNow GRC, Riskonnect) preferred.
Relevant certifications preferred: CRCM CRCMP CAMS (if applicable) Fair Lending or audit‑related certifications

Responsibilities

Strengthen first line of defense capabilities for Retail Lending Fulfillment, ensuring adherence to internal controls, policies, and regulatory requirements
Oversee HMDA governance by ensuring accurate data collection, reporting, and ongoing compliance with regulatory requirements through strong controls, monitoring, and issue remediation.
Identify emerging risks by managing Key Risk Indicators
Monitor and assess operational, compliance, and credit‑related risks across underwriting, processing, closing, and post‑closing activities
Design, document, and maintain key controls, including control testing, issue tracking, and remediation plans
Conduct appraisal compliance and risk reviews to ensure adherence to regulatory requirements, internal policies, and valuation standards, identifying deficiencies and driving timely issue remediation
Partner with Fulfillment, Compliance, Risk, Legal, and Audit teams to identify gaps and reduce operational risk
Support bank‑wide initiatives by translating regulatory and policy changes into actionable fulfillment controls
Perform quality reviews and trend analysis to identify emerging risks, root causes, and systemic issues
Own and maintain risk metrics, dashboards, and reporting for leadership review
Coordinate responses to internal audits, regulatory exams, and compliance reviews, including evidence collection and follow‑up
Ensure consistent process documentation and control alignment as the organization scales and evolves
Provide guidance and training to leaders and teammates on risk awareness, control execution, and compliance expectations