Monitoring and reporting Bank compliance with all applicable federal and state regulations, including: Truth in Lending Act, Real Estate Settlement Procedures Act, Equal Credit Opportunity Act, Fair Housing Act, Home Mortgage Disclosure Act, Community Reinvestment Act, Fair Credit Reporting Act, SAFE Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, Home Owners Protection Act, Pay Day Lending and Restrictions on Loans to Insiders   

Performs all regulatory lending compliance audits within a defined annual audit plan  

Develops and maintains lending compliance audit programs and defines scope of lending reviews  

Prepares and maintains audit documentation and work-papers  

Conducts analysis of lending audit findings to draw logical conclusions and craft appropriate recommendations  

Writes formal lending audit reports directed toward those audited, Senior Management, and the Audit Committee  

Conducts appropriate follow-up with those audited to resolve audit findings  

Coordinates and manages the regulatory lending compliance audit process  

Plans, schedules and conducts each audit, per budget, to ensure that all activities conform to established audit procedures  

Uses audit programs as guides and initiates additional audit steps where deemed appropriate  

Reviews lending related policies and procedures for compliance with regulatory requirements and sound practices  

Prepares detailed report of violations to federal and/or state regulations and other compliance audit findings, presenting any irregularities or exceptions to Senior Management and/or the Audit Committee  

Makes recommendations for corrective action  

Reviews responses from the auditee for audit reports to determine whether appropriate action has been taken  

Monitor implementation of needed corrective action  

Report, at least quarterly, to the Audit Committee of the Board of Directors on current quarterly audit results, any findings, corrective actions and status of prior open issues 

Analyzes the audit programs for effectiveness, recommending changes and improvements as appropriate 

Conducts any special audits as assigned by the Risk Manager 

Discusses with the Risk Manager any changes to scope of audits performed, significant findings noted as the audit progresses and conclusions and recommendations as audits are finalized 

Maintains appropriate records and provides assigned reports  

Thorough knowledge of lending regulatory requirements  

Understanding and ability to research federal and state statutes, regulations and regulatory guidance  

Knowledge of institutional lending processes and procedures which must include experience with origination and servicing in at least one of the following areas: consumer lending, mortgage lending or commercial loans  

Excellent PC skills  

Thorough knowledge of loan origination (LOS) and Core processing systems  

Excellent verbal and written communications skills  

Multi-task oriented  

Proficient problem solver  

Flexible and adaptable  

Possess analytical and questioning thought process  

Demonstrate cooperative effort in working with other departments  

Strong organizational skills  

Associate Degree and/or related work experience with knowledge of banking federal and state regulations  

Five+ years of risk management or bank compliance experience including a minimum of two years in compliance audit 

Candidates should be able to work both independently and as part of a team 

Compliance certification and/or experience as a loan processor, loan underwriter or QC reviewer is preferred