Corporate Fair & Responsible Banking Analyst-Loan Review

About The Role

The Corporate Fair and Responsible Banking (FARB) Analyst - Loan Review supports the Corporate Fair Banking Manager in maintaining the organization's fair banking compliance program. This role helps ensure lending and retail banking activities comply with applicable fair lending and consumer protection laws and regulations. The Analyst independently performs complex data analysis, converts large datasets into actionable insights, and prepares clear reporting and executive summaries for senior management and Compliance committees. The role also provides subject matter guidance to Compliance, Lending, and Retail business lines by monitoring regulatory developments and supervisory expectations.

• Perform fair banking and fair lending reviews, including loan, adverse action, Regulation B timing, hidden denial, marketing, redlining/mapping, data integrity. And other risk-based reviews.
• Surveys/conduct fair lending interviews, and other reviews dependent on industry changes or risks arise.
• Create detailed executive summaries that include findings, observations, recommendations, and results from reviews.
• Track and follow up on FARB recommendations to ensure completion by respective departments.
• Provide ongoing monitoring and assessments based on internal and external findings, regulatory changes, and audit results.
• Aid in creating and distributing surveys or conducting interviews with employees related to fair banking topics.
• Analyze results, prepare reports, and provide recommendations for improvement.
• Update and manage the FARB Risk Assessment program and work with the FARB Manager to compile findings into a memo for presentation to the Compliance Committees.
• Create department specific risk assessments to analyze and monitor throughout the year.
• Review and update policies, including Regulation B Application, Adverse Action procedures, and FARB and UDAAP policies.
• Ensure all products and services comply with fair banking requirements.
• Attend semiannual meetings with ERM-Model Risk Management team and make updates to models and non-model tools inventory lists and work papers.
• Maintain and update FARB work papers, which serve as guides for reviews, surveys, interviews, and risk assessments.
• Ensure business continuity and support for internal and external audits and exams.
• Participate in projects, activities, committees, and Teams calls for collaboration amongst colleagues to maintain overall compliance with regulations.
• Monitor the shared FARB inbox and respond to FARB related inquiries from Compliance team members, GBCI, and Division employees.
• Maintain communication and keep records of any significant issues or questions.

About You

• QualificationsTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

• Education Level Required/Preferred: Bachelor's Degree Business, Finance or related field

Experience

• Experience Level Required/Preferred: 5 years Minimum or 5 years related banking experience, preferably in a compliance environment, quality control, or lending role.
• Experience Level Required/Preferred: 3 years Minimum of 3 years of experience in Fair Banking and/or Fair Lending compliance (e.g., ECOA/Regulation B, UDAAP), preferably within a federal regulatory agency or large financial institution.
• Experience Level Required/Preferred: 3 years Minimum of 3 years of experience developing and delivering fair lending reporting, analysis, and presentations.
• Experience Level Required/Preferred: 3 years Minimum of 3 years hands-on experience with fair lending analytics and monitoring software.
• Advanced / Specialized Knowledge Required: Strong knowledge of Fair Lending regulations is required: Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Fair Housing Act, Service Members Civil Relief Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth In Lending Act, Unfair Deceptive or Abusive Acts or Practices, Real Estate Settlement Procedures Act, Mortgage Acts and Practices.

License/Certification

• License/Certification Required/Preferred: Within 1 year of hire. Other Relevant Certification Must obtain and maintain a professional designation such as Certified Regulatory Compliance Manager (CRCM), Fair Lending Expert (FLE), or Certified Community Bank Compliance Officer (CCBCO).

Required Skills and Abilities

• Ability to exercise independent judgement and demonstrate strong technical expertise in fair lending principles.
• Employee must be trustworthy and possess a significant level of credibility, discretion, and diplomacy.
• Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
• Employee must be a team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization.
• Ability to monitor, analyze and apply compliance rules, regulations, and procedures.
• Ability to adapt to change (e.g. shifting priorities, demands, and timelines) through time management, analytical, and problem solving skills.
• Employee must be a self-starter with ability to take ownership and accountability of all roles and responsibilities with minimal supervision.
• Ability to serve as a backup for other staff members in a mutually supportive team work environment.
• Employee must be capable of regular, reliable, and timely attendance.

Additional Requirements

• Travel Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Working Conditions

• Environment: Indoors, a climate-controlled shared work area.
• Noise Level: Moderate noise; not extreme or excessive; within reasonable limits.
• Lifting: Sedentary work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

What We Offer

• COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays.