Apply on Employer Site

American National Bank of Texas · 11 hours ago

Lending Compliance Fair Lending Officer

Terrell, TX

Full-time

Onsite

Senior Level

7+ years exp

American National Bank of Texas is seeking a Lending Compliance / Fair Lending Officer responsible for the design, implementation, and administration of the Bank's Fair Lending and Lending Compliance Programs. The role involves monitoring compliance with regulations, assessing lending compliance risks, and providing oversight for enterprise-wide lending compliance activities.

BankingFinancial ServicesMortgage

Culture & Values

Responsibilities

Lead the monitoring of the fair lending and lending compliance function to ensure compliance with all lending compliance regulations and fair and responsible banking

Review lending systems records and lending operations to identify violations and program regulatory deficiencies

Lead development and execution of lending compliance and fair lending risk assessments

Evaluate risk exposure and ensure Leadership is continuously informed of all aspects of the Bank's lending compliance and fair lending risk management activities

Analyze and communicate the impact of laws and regulations on policies, procedures, new and existing products as well as analyze results from external and internal fair lending fair lending and lending compliance audits, risk assessments, and exams

Perform HMDA analytics of lending data to detect potential disparities in underwriting in underwriting, pricing, redlining, and steering, by providing monthly/quarterly reports to identify trends and/or patterns of concern and escalate further investigation

Provide maintenance, follow-up and support for the Bank's HMDA data collection, tracking and reporting software systems; responsible for HMDA data integrity; submit such information to senior management within assigned timelines

Assist with developing and implementing lending and deposit programs, products and service for customers in majority minority areas; ensure the Bank meets the needs of the community it serves and attains fair lending compliance goals; develops and responds to community concerns as they arise

Qualification

Lending compliance lawsFair lending regulationsStatistical analysisCertified Regulatory Compliance ManagerMicrosoft OfficeAdobe AcrobatBilingual EnglishBilingual Spanish

Required

Bachelor's degree or equivalent work experience

Certified Regulatory Compliance Manager or other similar designation required

7-10 years related experience in lending compliance and fair lending

Must have a working knowledge of lending and fair lending laws and regulations including but not limited to the Equal Credit Opportunity Act (ECOA), RESPA, Truth in Lending (TILA), Military Lending Act (MLA), Mortgage Servicing, Flood, Servicemembers Civil Relief Act (SCRA), SAFE Act, Homeownership Counseling, Homeowners Protection Act, E-Sign, Credit by Bank and Persons other than Brokers or Dealers for the Purpos of Purchasing or Carrying Margin Stock (Regulation U), Loans to Executive Officers, Directors, and Principle Shareholders of Member Banks (Regulation O), Home Mortgage Disclosure Act (HMDA), Fair Credit Reporting Act (FCRA), Fair Housing Act (FHA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and related regulations, guidelines, etc

Proficient in Microsoft Office (Outlook, Word, Excel and PowerPoint), Adobe Acrobat, and Social Media web platforms; basic keyboarding and calculator skills; must be able to perform math and carry out complex written instructions

Travel to a variety of locations to perform work and/or attend meetings as required

Work may occasionally require more than 40 hours per week to perform the essential functions of the position

Lifting in an office setting up to 30lbs