Risk Management Analyst

ACNB BANK•Gettysburg, PA

1d•Hybrid

About The Position

ACNB Bank is hiring a Risk Management Analyst to facilitate third-party vendor risk management activities and support mortgage quality control initiatives. Approximately 80% of the role focuses on vendor management and third-party risk oversight, while approximately 20% supports mortgage quality control. Candidates should bring practical banking and mortgage lending experience to assess loan documentation, regulatory requirements, and operational risk. The role helps the Bank make informed vendor decisions, maintain regulatory compliance, improve operational performance, and reduce risk. The position begins with approximately 90 days of on-site training in Gettysburg, Pennsylvania, after which the work arrangement is hybrid. Candidates must reside within or near ACNB Bank’s service footprint in South Central Pennsylvania or Northern Maryland. On-site desk locations are listed in Gettysburg and York, Pennsylvania. This is a salaried, exempt position at a market-competitive rate.

Requirements

Bachelor’s degree in Business, Finance, Risk Management, Accounting, or a related field, or an equivalent combination of education and experience.
Banking and mortgage lending experience, with a strong understanding of loan origination, processing, closing, servicing, or related mortgage operations.
Experience evaluating risk, conducting due diligence, or supporting compliance, vendor management, audit, or operational-review activities within a financial institution.
Knowledge of third-party risk management principles and ability to assess vendor performance, financial condition, operational controls, cybersecurity practices, and regulatory compliance.
Strong analytical and critical-thinking skills, including the ability to review complex information, identify risks or trends, and provide practical recommendations.
Effective communication and partnership skills for working across departments and with stakeholders in Compliance, Legal, Information Security, Mortgage Operations, and other business units.
Strong organizational skills.
Proficiency with Microsoft 365 applications, including Excel, Word, Outlook, and Teams.
Must reside within or near ACNB Bank’s service footprint in South Central Pennsylvania or Northern Maryland.

Nice To Haves

Experience holding an NMLS license, taking loan applications, delivering disclosures, or closing mortgage or home equity loans is highly valued.

Responsibilities

Lead third-party risk management efforts and serve as the primary resource for vendor due diligence and ongoing monitoring.
Evaluate operational, financial, cybersecurity, AI, regulatory, and reputational risks associated with current and prospective vendors.
Maintain vendor risk assessments, monitoring schedules, contract documentation, and review records.
Collaborate with Legal, Compliance, Information Security, business line leaders, and other stakeholders to ensure vendor relationships meet regulatory and business requirements.
Partner with mortgage operations and the Bank’s quality-control vendors to administer the mortgage quality control program.
Monitor mortgage defect tracking, corrective action plans, and reporting activities supporting Fannie Mae, Freddie Mac, FHA, VA, and USDA requirements.
Identify trends, root causes, and emerging risks in vendor reviews and mortgage quality-control results.
Communicate findings to management and recommend practical solutions to strengthen controls, improve processes, and reduce operational risk.
Stay informed about regulatory guidance, mortgage industry requirements, and third-party risk management practices.
Help ensure the Bank’s risk management processes remain effective, compliant, and aligned with industry expectations.