Job Summary

The Consumer Lending Business Risk Analyst provides support to the Consumer Lending team in the execution of first line of defense oversight responsibilities.

Ensures Consumer Finance personnel are aware of all appropriate regulations in relation to established operational and underwriting processes.

Performs Quality Assurance testing and reporting to verify overall compliance with applicable regulations, such as; TRID, Fair Lending, ECOA, Flood, MLA and lender mystery shopping.

Assists with reviews and application data sampling in connection with Consumer Finance internal and external audits. Assists with procedures and user guideline development for all processes and systems used in connection with Consumer Lending.

Participates in projects as needed or assigned.

Job Responsibilities :

Performs quality assurance review testing of consumer lending transactions as it relates to governing regulations, laws or established processes and accurately document results of testing, reviews and audits in a timely manner.

Monitors and reviews policies, procedures, marketing materials, forms and agreements to ensure regulatory compliance with applicable laws, rules and regulations and ensure compliance with bank policies and procedures.

Assists in development of communication and / or training materials as needed. Maintains Quality Assurance user guide updates.

Collaborates in the gathering of documentation and information requested by internal, external and regulatory auditor and authorities related to an audit, examination or inquiry.

Assists in developing metrics and reporting on QA testing results, trends and regulatory change and policies.

Performs special projects, and additional duties and responsibilities as required.

Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.

Accountable to maintain compliance with applicable federal, state and local laws and regulations.

Job Requirements :

Undergraduate Degree (4 years or equivalent), required

3 Years of quality control / assurance experience, required

Familiarity of banking or financial industry and regulations, required

Effective interpersonal relationships with customers, management and team members

Solid understanding and application of policies, procedures and regulations

Excellent written and verbal communication skills

Proficient with Microsoft Office products advanced Microsoft Excel skills preferred

Ability to solve practical problems and interpret a variety of instructions

Ability to prioritize multiple demands and effectively manage time as related to daily tasks

Physical demands (ADA) : The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting