Senior Fair and Responsible Banking Analyst

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🤠 Texas – Remote

🤠 Texas – Remote

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 11%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Cornerstone Capital Bank

WebsiteLinkedInAll Job Openings

51 - 200 employees

🏦 Banking

💸 Finance

Banking • Finance

Cornerstone Capital Bank is a community-focused national bank formed by the merger of Cornerstone Home Lending and Roscoe Bank that provides mortgage origination and servicing, personal and commercial banking, and institutional treasury and liquidity services. The bank emphasizes customer service, stability, and digital convenience, offering fee-free deposit accounts, national ATM access, wire and ACH transfers, and integrated mobile banking alongside personalized, one-on-one financial support. It serves consumers, businesses, and other financial institutions with a broad suite of banking and home-lending products.

📋 Description

• Support the organization's Fair Lending, Fair Servicing, and UDAAP compliance programs. • Generate market penetration analyses, activity-to-goals dashboards, executive summaries, and management reporting. • Conduct Reasonably Expected Market Area (REMA) reviews and market research. • Design statistical analysis models and execute and analyze statistical analyses and matched-pair testing from a fair lending perspective. • Research and review operational processes to evaluate UDAAP risk and recommend controls or enhancements. • Perform transaction testing to verify first-line adherence to policies, procedures, and business practices. • Conduct transaction-level validation testing to validate findings, controls, and corrective actions. • Review and approve marketing materials from a Fair and Responsible Banking perspective. • Coordinate and facilitate UDAAP and Fair Lending risk assessment questionnaires. • Analyze lending, servicing, and operational data to identify trends, anomalies, and potential compliance risks. • Author analytics and testing reports documenting methodology, findings, conclusions, and recommendations. • Assist with regulatory examinations, audits, and internal reviews by providing documentation and analysis. • Perform special projects, investigations, and ad hoc analyses related to Fair and Responsible Banking initiatives. • Partner with business units, compliance teams, and management to provide independent oversight, challenge, and advisory support.

🎯 Requirements

• Strong proficiency with fair lending analytics and software for mortgage lending, consumer lending, and loan servicing; experience using RiskExec preferred. • Strong proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint. • Knowledge of Fair Lending, HMDA, ECOA, FHA, CRA, UDAAP, and related consumer protection regulations. • Experience in data analysis, statistical testing methodologies, and compliance monitoring programs. • Clear, concise, and effective written and verbal communication. • Ability to quickly grasp and master new concepts, regulatory requirements, and related product and functional knowledge. • Ability to work under pressure and manage tight deadlines or unexpected changes. • Track record of providing credible challenge, asking in-depth questions, and seeking answers. • Strong analytical and problem-solving skills. • Strong computer and organizational skills. • Ability to work independently while collaborating effectively with a multi-level team. • Inquisitive mindset and desire to learn and continuously improve. • Attention to detail, data quality, and documentation. • Strong organizational, project management, and time management skills. • Ability to synthesize complex data and regulatory requirements into actionable business insights. • Ability to interpret regulations and compare requirements to existing processes. • Knowledge of federally recognized examination procedures for applicable federal and state laws and regulations. • Broad knowledge and understanding of all facets of banking. • 5+ years of experience in mortgage lending, especially in pricing and decisioning, fair lending analytics, and/or UDAAP compliance. • Experience supporting Fair Lending, UDAAP, Compliance, Risk Management, Internal Audit, or Regulatory Affairs functions. • Experience developing dashboards, executive-level reporting, and management presentations. • Experience with statistical analysis techniques, matched-pair testing, market analysis, and risk assessments.

🏖️ Benefits

• Medical benefits • Dental benefits • Vision benefits • Accidental Death benefits • Long-Term Disability benefits • Short-Term Disability benefits • FSA • HSA • 401K • Basic Life insurance • Voluntary Life insurance • Paid Parental Leave • Performance based bonus opportunity