Lending Compliance Analyst

🔥 12 hours ago

🤠 Texas – Remote

🤠 Texas – Remote

💵 $25 / hour

⏰ Full Time

🟢 Junior

🟡 Mid-level

🚔 Compliance

🚫👨‍🎓 No degree required

👻 Ghost score 2%

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A+ Federal Credit Union

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 1949

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

A+ Federal Credit Union is a member-focused financial institution that offers a wide range of banking services including checking and savings accounts, loans, and investment options. With the goal of building stronger communities, A+ FCU engages in various community support initiatives and provides educational resources for financial literacy. They prioritize member benefits and offer tools such as online banking and mobile apps to enhance the banking experience.

📋 Description

• Support the Credit Union’s Compliance Management System through independent, risk-based monitoring and testing • Assist with development, administration, implementation, and maintenance of the Lending Compliance Program • Perform detailed HMDA reviews of reportable originated and non-originated mortgage, retail, and commercial loan applications • Import and export periodic data files and reconcile data populations for completeness • Validate reportable data against source documentation, host and loan-origination systems, and the Loan/Application Register • Identify, document, and resolve loan-data exceptions with business units; recommend maintenance and reporting changes • Validate property addresses, census and geographic information, and clear quality and validity edits • Meet regulatory timeframes established for Regulation C • Compile audit and examination documentation and responses • Develop procedural manuals, job aids, testing scripts, workpapers, dashboards, and management reports • Compile HMDA and Fair Lending metrics • Import review packages into the imaging system for record retention • Execute compliance monitoring and testing according to approved scopes, procedures, methodologies, and schedules • Assess compliance with federal and state lending requirements, policies, procedures, controls, disclosures, and record-retention requirements • Document monitoring and testing objectives, scope, samples, procedures, evidence, results, conclusions, and approvals • Evaluate control design and effectiveness; perform root-cause and impact analysis • Communicate findings and track corrective actions through remediation and closure • Conduct compliance, product, and services risk assessments • Research lending compliance inquiries and escalate novel, high-risk, or legally complex matters • Review and recommend updates to policies, procedures, forms, disclosures, communications, job aids, and intranet content • Support compliance reviews of products, services, systems, vendors, decisioning models, workflows, marketing, and member communications • Participate in regulatory-change impact assessments and implementation monitoring • Provide practical guidance and training while preserving first-line management ownership • Support internal audits, external audits, and regulatory examinations • Escalate material, systemic, repeat, overdue, or potentially consumer-harmful issues • Maintain current knowledge of applicable lending laws, regulations, guidance, enforcement trends, and industry practices • Apply fair-lending and UDAAP considerations to monitoring, testing, product reviews, complaints, and corrective actions • Participate in monthly individual dialogues with the direct manager and perform other assigned duties

🎯 Requirements

• High school diploma or GED required • Bachelor’s degree in business, finance, accounting, risk management, or a related field preferred • Two years of financial-institution lending, loan servicing, quality control, audit, risk, or regulatory compliance experience required • Two years of experience performing HMDA data integrity reviews, compliance monitoring or testing, loan-file reviews, or regulatory reporting preferred • Two years of knowledge and work experience with financial-industry rules, regulations, and best practices preferred • Knowledge of consumer and mortgage lending processes and regulatory requirements • Ability to define problems, evaluate evidence, analyze data, identify patterns, assess risk, and draw conclusions • Strong attention to detail, organization, documentation, and time-management skills • Strong written and verbal communication skills • Ability to work independently, exercise judgment, and escalate matters appropriately • Ability to collaborate with lending, operations, technology, legal, risk, audit, and other stakeholders while maintaining second-line objectivity • Ability to learn and use loan origination, servicing, HMDA, imaging, reporting, governance-risk-compliance, and related systems • Proficient in Microsoft Office; highly proficient in Excel and data analysis • Ability to work at least 40 hours a week • Ability to work flexible hours, with infrequent travel and overnight stays • Must handle sensitive and confidential information with integrity and appropriate safeguards

🏖️ Benefits

• Remote position • Flexible hours • Professional development and relevant training • Infrequent travel and overnight stays • Disability accommodations • Equal Opportunity Employer