SUMMARY/OBJECTIVES

It is the responsibility of the Fair Lending Analyst to take ownership of all tasks and challenges that they encounter in the operation of their assigned position.

ESSENTIAL FUNCTIONS

• The scope of reviews that will be conducted include, but are not limited to:

o Origination and Pricing Disparities for multiple business lines with different guidelines

o Processing Times Disparities

o Redlining Analysis

o Loan Servicing and Loss Mitigation Practices

o Non-HMDA Data Integrity for data sets affecting Fair Lending Analysis

o Small Business/Commercial Lending

o Fair Lending Outreach

• Perform quarterly underwriting and pricing exception analysis reviews of the Bank’s various loan portfolios;

• Create, and foster, a collaborative relationship with business partners throughout the organization by being responsive, efficient, and effective while conducting monitoring reviews;

• Identify root cause of errors of disparities, and ensure the corrective actions stated by the business unit(s), are effective in mitigating fair lending risk;

• Keep abreast of issues identified by the Enterprise Compliance Department’s HMDA review team and assess potential of adverse effects to Fair Lending monitoring reviews;

• Provide assistance on projects and initiatives that affect the Fair Lending Program;

• Complete all required training and continuing education requirements, as assigned;

• Demonstrate a strong ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization;

• Maintain procedures related to monitoring performed by Fair Lending Analyst Team; and

• Assist Fair Lending Management with other duties that may be assigned within the Enterprise Compliance Department.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

• Extensive knowledge of Fair Lending regulations, including HMDA, ECOA, and Fair Housing Act;

• Ability to manage multiple tasks/projects at one time;

• Strong written and verbal communication skills to effectively communicate;

• Strategic thinker with outstanding research, analytical and problem-solving skills;

• Excellent knowledge of Microsoft suite of products (advanced Excel skills needed); and

Qualifications, Education, and Certification Requirements

• 2 years’ fair lending, regulatory compliance, audit and/or operations experience;

• Working knowledge of fair lending data mining principles: manipulating and drawing insights; analytics, mapping, collecting data from multiple sources;

• Experience with HMDA and CRA Software Applications; familiarity with Marquis CenTrax Software a plus; and

• Experience with evaluation of HMDA LAR and CRA LR data reporting requirements and analysis.

TRAINING REQUIREMENTS/CLASSES

Required annual compliance training and continuing education courses as prescribed by management.

PHYSICAL DEMANDS

Must be able to effectively access and interpret information on computer screens, documents, and reports. Must be able to effectively communicate telephonically, through web-based meetings, and emails to discuss findings, issues, or concerns. This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.

WORK ENVIRONMENT

Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered. Travel may be required to come to meetings as needed.