What are the responsibilities and job description for the Fair Lending Coordinator position at Trustco Bank?
EEO Statement : We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.
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Job Title : Fair Lending Coordinator
Reports to : Risk Management, Vice President
FLSA Status : Non-Exempt
Salary Grade : NE12
Supervisory Responsibility : No
SUMMARY :
The Fair Lending Coordinator is specifically knowledgeable in fair lending risk management. The position's focus is to ensure adherence to fair lending laws and regulations to include the Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) which protect consumers by prohibiting unfair and / or discriminatory lending practices.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor and / or Trustco Bank's Board of Directors.
- Conduct fair lending risk assessments and analyze lending activity to identify fair lending risk associated with levels of assistance, underwriting, pricing, steering, and servicing.
- Responsible for adherence to the Bank's compliance program related to fair lending including, but not limited to the timely completion of all required and assigned training.
- Review and analyze the geographic distribution of loan products, deposit products, and service delivery systems.
- Monitor and suggest enhancements to lending service, and investment strategies to support the Bank's CRA efforts under the large institution performance criteria.
- Review customer complaints to relating to fair lending issues to ensure timely and satisfactory resolution.
- Review and make recommendations relative to the Bank's fair lending training program for all employees, officers, and directors as applicable to individual roles and responsibilities.
- Coordinate examination materials for internal and external auditors during fair lending reviews.
- Monitor and analyze developing trends and changes in regulations relating to fair lending including CRA, HMDA, EOCA, and all other applicable regulations.
- Perform loan file reviews to analyze for adherence to Fair Lending laws
REQUIRED EDUCATION / EXPERIENCE :
PREFERRED EDUCATION / EXPERIENCE :
POSITION TYPE / EXPECTED HOURS :
This is a full-time position. Office hours Monday - Friday 8 : 30am - 5 : 00pm. Evening and weekend work may be required as job duties demand.
TRAVEL : No travel required.
LANGUAGE SKILLS :
Must be able to speak, read, write, and understand the primary language(s) used in the workplace ; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers.
PHYSICAL DEMANDS :
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
WORK ENVIRONMENT :
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
For the most part, ambient room temperatures, lighting and traditional equipment as found in a typical office / retail environment.
OTHER DUTIES :
Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
AFFIRMATIVE ACTION PLAN / EQUAL EMPLOYMENT OPPORTUNITY STATEMENT :
Trustco Bank is an equal opportunity / affirmative action employer. It is the policy of Trustco Bank to take affirmative action in affording equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status.
This includes, but is not limited to, the following :
It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.
