Lending Compliance Specialist III
Bank of Utah · Lehi, UT · 4 wk ago
FinanceFull-time
We need to output HTML fragment with sections: headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must not repeat job title as heading. We must include sections only if posting has real specific content. We need to extract content.
Let's parse the posting.
First paragraph: intro about Bank of Utah, mission statement. That's "About the role"? Actually it's about company. Could be "About the role" or maybe "About the company". The instruction says use headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we can use "About the role" for company intro.
Then "Job Opening Details: If our mission statement piques your interest, we encourage you to apply for the currently open position of Lending Compliance Specialist III to work Monday - Friday 8:00-5:00 at our Branch located in Lehi, UT." This includes schedule (Monday-Friday 8-5) and location. We can put schedule in Schedule section. Also location maybe part of About the role? Could be separate but we only have allowed headings. We could include location in About the role paragraph.
Then description of role: "The Lending Compliance Specialist III serves as a resource and consumer compliance expert within the Bank’s Compliance function and plays a key role in managing lending compliance risk and supporting the Bank’s Compliance Management System (CMS). The position provides expert advice, guidance, and training to business lines and employees regarding applicable federal and state banking laws, regulations, regulatory guidance, policies, and procedures, and serves as the Bank’s subject matter expert for Marketing and Advertising Compliance." That's responsibilities.
Then "Job Qualifications:" list bullet points: Bachelor’s degree preferred, 7 to 10 years relevant experience, Expert knowledge of many acts, Expert knowledge of mortgage investors, Excellent written and oral communication skills, Proactively look for solutions, Must work well with others, Excellent time management skills, CRCM preferred. That's qualifications/requirements/skills. We can separate into Requirements (experience, education) and Skills (communication, etc.) but we can combine.
Then "Benefits of Working with Us Bank of Utah's comprehensive benefits package includes:" list: Great work-life balance, with a Monday-Friday schedule, Competitive pay and benefits, including medical, dental and vision plans, 401(k) plan and match up to 5 percent in our employee stock ownership program (eligibility requirements must be met), 12 paid bank holidays + paid time off, including paid parental leave, Volunteer opportunities, Awards and recognition.
That's benefits.
Then "Job Description: Duties and responsibilities will be assigned by the Consumer Lending Compliance Officers and may include all or portions of the following:" then a long list of duties. That's responsibilities.
Then "The wage listed is within the range associated with this position. Actual compensation will be based on qualifications and experience." That's pay info but not specific numbers. We should not create Pay section unless posting actually states them. It says wage listed is within the range, actual compensation based on qualifications. No specific numbers. According to rule: never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Here they say wage listed is within the range associated with this position. Actual compensation will be based on qualifications and experience. That's vague, not a specific number. So we should NOT create a Pay section.
Schedule: they gave Monday-Friday 8:00-5:00. That's specific. So we can create Schedule section.
Benefits: they gave specific list. So Benefits section.
Now we need to output HTML fragment with
for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must not repeat job title as heading. We must include sections only if posting has real specific content. We need to extract content.
Let's parse the posting.
First paragraph: intro about Bank of Utah, mission statement. That's "About the role"? Actually it's about company. Could be "About the role" or maybe "About the company". The instruction says use headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we can use "About the role" for company intro.
Then "Job Opening Details: If our mission statement piques your interest, we encourage you to apply for the currently open position of Lending Compliance Specialist III to work Monday - Friday 8:00-5:00 at our Branch located in Lehi, UT." This includes schedule (Monday-Friday 8-5) and location. We can put schedule in Schedule section. Also location maybe part of About the role? Could be separate but we only have allowed headings. We could include location in About the role paragraph.
Then description of role: "The Lending Compliance Specialist III serves as a resource and consumer compliance expert within the Bank’s Compliance function and plays a key role in managing lending compliance risk and supporting the Bank’s Compliance Management System (CMS). The position provides expert advice, guidance, and training to business lines and employees regarding applicable federal and state banking laws, regulations, regulatory guidance, policies, and procedures, and serves as the Bank’s subject matter expert for Marketing and Advertising Compliance." That's responsibilities.
Then "Job Qualifications:" list bullet points: Bachelor’s degree preferred, 7 to 10 years relevant experience, Expert knowledge of many acts, Expert knowledge of mortgage investors, Excellent written and oral communication skills, Proactively look for solutions, Must work well with others, Excellent time management skills, CRCM preferred. That's qualifications/requirements/skills. We can separate into Requirements (experience, education) and Skills (communication, etc.) but we can combine.
Then "Benefits of Working with Us Bank of Utah's comprehensive benefits package includes:" list: Great work-life balance, with a Monday-Friday schedule, Competitive pay and benefits, including medical, dental and vision plans, 401(k) plan and match up to 5 percent in our employee stock ownership program (eligibility requirements must be met), 12 paid bank holidays + paid time off, including paid parental leave, Volunteer opportunities, Awards and recognition.
That's benefits.
Then "Job Description: Duties and responsibilities will be assigned by the Consumer Lending Compliance Officers and may include all or portions of the following:" then a long list of duties. That's responsibilities.
Then "The wage listed is within the range associated with this position. Actual compensation will be based on qualifications and experience." That's pay info but not specific numbers. We should not create Pay section unless posting actually states them. It says wage listed is within the range, actual compensation based on qualifications. No specific numbers. According to rule: never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Here they say wage listed is within the range associated with this position. Actual compensation will be based on qualifications and experience. That's vague, not a specific number. So we should NOT create a Pay section.
Schedule: they gave Monday-Friday 8:00-5:00. That's specific. So we can create Schedule section.
Benefits: they gave specific list. So Benefits section.
Now we need to output HTML fragment with headings and - for lists,
for prose.
We must not include boilerplate like EEO etc. Not present.
We need to preserve all substantive information. So we need to include the company intro, mission statement, etc.
Let's structure:
About the role
Bank of Utah was founded in 1952, and is one of Utah’s largest privately owned community banks. We were named S&P Global Top 20 Bank two years in a row and a Top 100 Fastest Growing Company. Our Mission Statement: We strive to unlock the potential of our team members, clients, and community. We act with integrity in every decision, build trust through every interaction, and exceed expectations at every opportunity. We seek to responsibly create lasting prosperity today and for generations to come. The Lending Compliance Specialist III position is located in Lehi, UT and operates Monday‑Friday 8:00‑5:00.
But schedule we might put in separate Schedule section. However we already mentioned schedule in About the role; but we can still have Schedule section with details. The rule: prefer a few substantive sections over many thin ones. Could combine schedule into About the role. But we also have Benefits section separate. Might be okay to have About the role include location and schedule. Then we don't need separate Schedule section. However they said include a section ONLY when posting has real, specific content for it. Schedule is specific; we could either put it in About the role or separate. Since we already have About the role, we could add schedule there. That avoids thin Schedule section.
But we also have Benefits section separate.
Now Responsibilities: we have two paragraphs: role description and then Job Description duties list. We can combine into one Responsibilities section with prose and a list.
Let's extract duties list: It's a long list after "Job Description: Duties and responsibilities will be assigned by the Consumer Lending Compliance Officers and may include all or portions of the following:" then bullet-like sentences each ending with a period. We'll turn each sentence into - .
We need to preserve all substantive information; do not invent or summarize away detail. So we need to include each duty as separate list item.
Let's copy the duties list exactly as given, but we need to split into items. The list includes many sentences separated by periods. We'll treat each sentence as an item.
Let's extract:
- Manage Mortgage Quality Control audits, as per the Bank’s Quality Control Plan.
- Responsibilities include, but are not limited to, the following:
Actually that's a heading; we might incorporate as part of list? Better to treat as part of prose? The list after that includes subitems. We'll need to parse.
The text:
"Manage Mortgage Quality Control audits, as per the Bank’s Quality Control Plan. Responsibilities include, but are not limited to, the following:Submit mortgage reports to outsourced Quality Control company to facilitate selection of required 10% sampleReview selection sample and submit required loan documents to outsource Quality Control company for reviewReview Quality Control findings for accuracy, clear any incorrect findings, communicate findings timely to management, suggest possible solutionsWork closely with mortgage team during the entire Quality Control life cyclePrepare and submit reports indicating the findings of the audit to the Mortgage Banking Operations, including any trends noted.Assist in performing Prefunding Quality Control audits timelyReview mortgage files prior to fundingCommunicate findings to managementCoordinate monthly meetings with Mortgage Department staff to review findingsPrepare and submit monthly reports indicating findings, resolutions and trendsPropose solutions to findingsManage Cancelled File Quality Control auditsAssist in performing weekly reviewsPrepare and submit quarterly reports indicating findings, resolutions and trendsTrain mortgage staff with the assistance of Mortgage Banking Operations leadershipMonitor for all compliance related issues, including HMDA reportingPropose solutions to findingsPerform audits timely per the Quality Control PlanAssist in the regular maintenance of the written Mortgage Quality Control Plan, coordinating with compliance managementReview on an on-going basis compliance/guideline bulletins and memorandums to ensure that the Mortgage Quality Control Plan is currentWork with the Secondary Market Department to implement new investor requirements into the Quality Control Plan.Propose updates to the Quality Control Plan based on Fannie Mae or other investor requirementsCompletion and submission of the Bank’s HMDA LAR to the Consumer Financial Protection BureauCollecting and reporting (quarterly and annually) the required HMDA data, including geocodingMonitoring and follow up to correctionsAssist in the written HMDA policy and procedureAssist in HMDA training to staffStaying abreast of revisions to HMDA and Regulation C and the implementation thereof (training, updating policy and procedure, etc.)Assist in developing use of the Bank’s HMDA softwareManage the Appraisal Management monitoring functionConduct ongoing monitoring of Mortgage Department logs to verify Appraisal Independence is maintainedVerify disclosures are provided timelyMonitor for reconsiderations of value and appraisal biasManage Consumer Lending Products monitoring functionOn an on-going basis:Pull monthly reports for closed and cancelled applicationsMonitor/review Residential Construction, Lot, Auto, Unsecured and DDL loans for compliance with regulatory requirements and Bank policyPrepare and submit monthly reports indicating findings, resolutions and trendsPropose solutions to findingsMarketing/Advertising ComplianceWork with Lending Compliance Officer to research and approve marketing and advertising material submitted through the Bank’s marketing compliance review process.Monitor compliance with UDAAP, Truth in Lending, Fair Lending, FDIC advertising requirements, and other applicable regulatory guidance.Report on marketing compliance trends, findings, and recommendations to Compliance Management and applicable committees.Obtain training in Marketing/Advertising Compliance requirementsCompliance Monitoring ProgramAs assigned, perform ongoing monitoring procedures over the various lending compliance regulations, reporting the results to the Lending Compliance Officers and applicable business units. Additional summarized reporting should be prepared for the Compliance Committee, including trends and resolutions.Compliance SupportAssist in Policy update/change researchAssist in coordinating changes to processes and procedures based on findings and/or new regulatory requirementsMaintaining up to date compliance documentationAssist in developing compliance monitoring reports including trend and resolution informationAssist in researching exam/audit findings during and after exams and auditsAttend mortgage operations/compliance meetings and participate (train) when neededProactively attend webinars, trainings and other educational opportunitiesWork towards professional compliance certificationsOther duties as assigned"
We need to split into sensible list items. Many sentences run together without spaces after periods. We need to insert spaces where missing. We'll need to parse manually.
Let's rewrite with proper punctuation.
I'll create list items:
1. Manage Mortgage Quality Control audits, as per the Bank’s Quality Control Plan.
2. Submit mortgage reports to outsourced Quality Control company to facilitate selection of required 10% sample.
3. Review selection sample and submit required loan documents to outsource Quality Control company for review.
4. Review Quality Control findings for accuracy, clear any incorrect findings, communicate findings timely to management, suggest possible solutions.
5. Work closely with mortgage team during the entire Quality Control life cycle.
6. Prepare and submit reports indicating the findings of the audit to the Mortgage Banking Operations, including any trends noted.
7. Assist in performing Prefunding Quality Control audits timely.
8. Review mortgage files prior to funding.
9. Communicate findings to management.
10. Coordinate monthly meetings with Mortgage Department staff to review findings.
11. Prepare and submit monthly reports indicating findings, resolutions and trends.
12. Propose solutions to findings.
13. Manage Cancelled File Quality Control audits.
14. Assist in performing weekly reviews.
15. Prepare and submit quarterly reports indicating findings, resolutions and trends.
16. Train mortgage staff with the assistance of Mortgage Banking Operations leadership.
17. Monitor for all compliance related issues, including HMDA reporting.
18. Propose solutions to findings.
19. Perform audits timely per the Quality Control Plan.
20. Assist in the regular maintenance of the written Mortgage Quality Control Plan, coordinating with compliance management.
21. Review on an on-going basis compliance/guideline bulletins and memorandums to ensure that the Mortgage Quality Control Plan is current.
22. Work with the Secondary Market Department to implement new investor requirements into the Quality Control Plan.
23. Propose updates to the Quality Control Plan based on Fannie Mae or other investor requirements.
24
- for lists,
for prose. We must not include boilerplate like EEO etc. Not present. We need to preserve all substantive information. So we need to include the company intro, mission statement, etc. Let's structure:
About the role
Bank of Utah was founded in 1952, and is one of Utah’s largest privately owned community banks. We were named S&P Global Top 20 Bank two years in a row and a Top 100 Fastest Growing Company. Our Mission Statement: We strive to unlock the potential of our team members, clients, and community. We act with integrity in every decision, build trust through every interaction, and exceed expectations at every opportunity. We seek to responsibly create lasting prosperity today and for generations to come. The Lending Compliance Specialist III position is located in Lehi, UT and operates Monday‑Friday 8:00‑5:00.
But schedule we might put in separate Schedule section. However we already mentioned schedule in About the role; but we can still have Schedule section with details. The rule: prefer a few substantive sections over many thin ones. Could combine schedule into About the role. But we also have Benefits section separate. Might be okay to have About the role include location and schedule. Then we don't need separate Schedule section. However they said include a section ONLY when posting has real, specific content for it. Schedule is specific; we could either put it in About the role or separate. Since we already have About the role, we could add schedule there. That avoids thin Schedule section. But we also have Benefits section separate. Now Responsibilities: we have two paragraphs: role description and then Job Description duties list. We can combine into one Responsibilities section with prose and a- list.
Let's extract duties list: It's a long list after "Job Description: Duties and responsibilities will be assigned by the Consumer Lending Compliance Officers and may include all or portions of the following:" then bullet-like sentences each ending with a period. We'll turn each sentence into
- . We need to preserve all substantive information; do not invent or summarize away detail. So we need to include each duty as separate list item. Let's copy the duties list exactly as given, but we need to split into items. The list includes many sentences separated by periods. We'll treat each sentence as an item. Let's extract: - Manage Mortgage Quality Control audits, as per the Bank’s Quality Control Plan. - Responsibilities include, but are not limited to, the following: Actually that's a heading; we might incorporate as part of list? Better to treat as part of prose? The list after that includes subitems. We'll need to parse. The text: "Manage Mortgage Quality Control audits, as per the Bank’s Quality Control Plan. Responsibilities include, but are not limited to, the following:Submit mortgage reports to outsourced Quality Control company to facilitate selection of required 10% sampleReview selection sample and submit required loan documents to outsource Quality Control company for reviewReview Quality Control findings for accuracy, clear any incorrect findings, communicate findings timely to management, suggest possible solutionsWork closely with mortgage team during the entire Quality Control life cyclePrepare and submit reports indicating the findings of the audit to the Mortgage Banking Operations, including any trends noted.Assist in performing Prefunding Quality Control audits timelyReview mortgage files prior to fundingCommunicate findings to managementCoordinate monthly meetings with Mortgage Department staff to review findingsPrepare and submit monthly reports indicating findings, resolutions and trendsPropose solutions to findingsManage Cancelled File Quality Control auditsAssist in performing weekly reviewsPrepare and submit quarterly reports indicating findings, resolutions and trendsTrain mortgage staff with the assistance of Mortgage Banking Operations leadershipMonitor for all compliance related issues, including HMDA reportingPropose solutions to findingsPerform audits timely per the Quality Control PlanAssist in the regular maintenance of the written Mortgage Quality Control Plan, coordinating with compliance managementReview on an on-going basis compliance/guideline bulletins and memorandums to ensure that the Mortgage Quality Control Plan is currentWork with the Secondary Market Department to implement new investor requirements into the Quality Control Plan.Propose updates to the Quality Control Plan based on Fannie Mae or other investor requirementsCompletion and submission of the Bank’s HMDA LAR to the Consumer Financial Protection BureauCollecting and reporting (quarterly and annually) the required HMDA data, including geocodingMonitoring and follow up to correctionsAssist in the written HMDA policy and procedureAssist in HMDA training to staffStaying abreast of revisions to HMDA and Regulation C and the implementation thereof (training, updating policy and procedure, etc.)Assist in developing use of the Bank’s HMDA softwareManage the Appraisal Management monitoring functionConduct ongoing monitoring of Mortgage Department logs to verify Appraisal Independence is maintainedVerify disclosures are provided timelyMonitor for reconsiderations of value and appraisal biasManage Consumer Lending Products monitoring functionOn an on-going basis:Pull monthly reports for closed and cancelled applicationsMonitor/review Residential Construction, Lot, Auto, Unsecured and DDL loans for compliance with regulatory requirements and Bank policyPrepare and submit monthly reports indicating findings, resolutions and trendsPropose solutions to findingsMarketing/Advertising ComplianceWork with Lending Compliance Officer to research and approve marketing and advertising material submitted through the Bank’s marketing compliance review process.Monitor compliance with UDAAP, Truth in Lending, Fair Lending, FDIC advertising requirements, and other applicable regulatory guidance.Report on marketing compliance trends, findings, and recommendations to Compliance Management and applicable committees.Obtain training in Marketing/Advertising Compliance requirementsCompliance Monitoring ProgramAs assigned, perform ongoing monitoring procedures over the various lending compliance regulations, reporting the results to the Lending Compliance Officers and applicable business units. Additional summarized reporting should be prepared for the Compliance Committee, including trends and resolutions.Compliance SupportAssist in Policy update/change researchAssist in coordinating changes to processes and procedures based on findings and/or new regulatory requirementsMaintaining up to date compliance documentationAssist in developing compliance monitoring reports including trend and resolution informationAssist in researching exam/audit findings during and after exams and auditsAttend mortgage operations/compliance meetings and participate (train) when neededProactively attend webinars, trainings and other educational opportunitiesWork towards professional compliance certificationsOther duties as assigned" We need to split into sensible list items. Many sentences run together without spaces after periods. We need to insert spaces where missing. We'll need to parse manually. Let's rewrite with proper punctuation. I'll create list items: 1. Manage Mortgage Quality Control audits, as per the Bank’s Quality Control Plan. 2. Submit mortgage reports to outsourced Quality Control company to facilitate selection of required 10% sample. 3. Review selection sample and submit required loan documents to outsource Quality Control company for review. 4. Review Quality Control findings for accuracy, clear any incorrect findings, communicate findings timely to management, suggest possible solutions. 5. Work closely with mortgage team during the entire Quality Control life cycle. 6. Prepare and submit reports indicating the findings of the audit to the Mortgage Banking Operations, including any trends noted. 7. Assist in performing Prefunding Quality Control audits timely. 8. Review mortgage files prior to funding. 9. Communicate findings to management. 10. Coordinate monthly meetings with Mortgage Department staff to review findings. 11. Prepare and submit monthly reports indicating findings, resolutions and trends. 12. Propose solutions to findings. 13. Manage Cancelled File Quality Control audits. 14. Assist in performing weekly reviews. 15. Prepare and submit quarterly reports indicating findings, resolutions and trends. 16. Train mortgage staff with the assistance of Mortgage Banking Operations leadership. 17. Monitor for all compliance related issues, including HMDA reporting. 18. Propose solutions to findings. 19. Perform audits timely per the Quality Control Plan. 20. Assist in the regular maintenance of the written Mortgage Quality Control Plan, coordinating with compliance management. 21. Review on an on-going basis compliance/guideline bulletins and memorandums to ensure that the Mortgage Quality Control Plan is current. 22. Work with the Secondary Market Department to implement new investor requirements into the Quality Control Plan. 23. Propose updates to the Quality Control Plan based on Fannie Mae or other investor requirements. 24