Senior Fair Lending & Banking Analyst

Centier Bank•Merrillville, IN

About The Position

Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company’s achievement as well. A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results. What are our values? Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun....who wouldn't want to work for an AWARD-WINNING company that's built on these pillars? What about the perks? Access to our Marathon Health Clinics which provide FREE visits & prescriptions, Generous Paid Time Off benefit, Tuition Reimbursement, 401K match, Associate Stock Ownership Plan, Daycare Reimbursement, FREE Onsite Fitness Center/Fitness Reimbursements, Health and Wellness Programs, the ability to have a voice with our Diversity/Equity/Inclusion Council, Career Growth, Work/Life Balance, AND MORE. Supervisory Duties: None Summary: The Senior Fair Lending & Banking Analyst provides support to the Fair Lending Compliance Manager by conducting analyses to assess fair lending underwriting, pricing, and redlining risks, along with UDAAP and fair banking assessments based on regulatory guidance and bank policies, as well as measure the Bank’s performance.

Requirements

Possess a solid sense of ownership and accountability.
Define and meet critical deadlines.
Work effectively with virtual associates and teams.
Proficient with Microsoft Word, Excel and Wiz SaaS.
Ability to work through problems by listening, thinking through all issues, and responding appropriately.
Proofread and verify written materials.
Highly detail oriented, well-organized, and able to work independently and consistently.
5 years of experience in mortgage lending, depository regulations and/or monitoring, HMDA, and/or regulatory experience related to lending software systems
5 years in experience with data analytics and software data streams
High school diploma required

Nice To Haves

Bachelor’s degree preferred

Responsibilities

Maintain appropriate knowledge of fair lending and banking laws and regulations, including but not limited to ECOA, FHA, UDAAP, CRA and HMDA, guidance, and other legal and regulatory developments, and how they apply to the Bank.
Stay current on the Bank’s business line products, services and processes, distribution channels, geographies, organizational structures, and related regulatory requirements.
Conduct thorough and detailed analyses, testing, and validation of fair lending and banking risks. Provide analytic-driven insights to identify business opportunities and strategic feedback. Recommend areas for corrective action when applicable.
Create and maintain procedures on processes to verify data integrity with compliance systems, as well as fair lending and banking.
Conduct peer analysis utilizing data sets and the Wiz SaaS systems when applicable.
Assist with training and communications outlining the Bank’s commitment to fair lending and banking.
Conduct training of business lines as necessary for software changes and enhancements as necessary.
Review third party vendor’s compliance with fair lending and banking policies, procedures, and practices.
Assist in completing annual review of the fair lending analysis area with appropriate supporting documentation.
Assist in processing of annual HMDA, CRA and 1071 submissions and maintaining confirmation documentation of submissions.
Assist in the development and execution of 1071 data analytics and analysis as applicable.
Prepare reports for distribution to management, utilizing metrics and dashboards, on a monthly, quarterly, or as-needed basis
Provide support for the Bank’s CRA performance reports via data collected in the CRA Wiz software module, additional analysis and special projects for the CRA team may occur.
Assist in preparation of monitoring and summary presentations and reports for the Compliance Committee, CRA Committee, and Fair Lending Committee.
Work with Compliance Department Software Systems to ensure data is accurate, uploaded, and system is maintained.
Serve as the system administrator as needed.
Assist in completion of Fair Banking monitoring program as developed by the Compliance Manager.
Maintain confidentiality at all times.
Follow the Essentials of Excellence and exhibit Centier’s Corporate Values.
Strive to provide a World-Class Service experience in every interaction.
Other related duties as assigned.