Risk, Compliance & Loan Analyst
SUMMARY OF THE JOB
The Risk, Compliance & Controls Analyst will be responsible for operational and credit risk oversight within Retail Lending, and responsible for developing and managing Key Risk Indicators (KRI’s). This role will partner with all leaders and teammates within Retail Lending and be the primary liaison with Risk, Credit, Operations, and other key partners.
ESSENTIAL FUNCTIONS
Fulfillment, ensuring adherence to internal controls, policies, and regulatory requirements
Oversee HMDA governance by ensuring accurate data collection, reporting, and ongoing compliance with regulatory requirements through strong controls, monitoring, and issue remediation
Identify emerging risks by managing Key Risk Indicators
Monitor and assess operational, compliance, and credit-related risks across underwriting, processing, closing, and post-closing activities
Design, document, and maintain key controls, including control testing, issue tracking, and remediation plans
Conduct appraisal compliance and risk reviews to ensure adherence to regulatory requirements, internal policies, and valuation standards, identifying deficiencies and driving timely issue remediation
Partner with Fulfillment, Compliance, Risk, Legal, and Audit teams to identify gaps and reduce operational risk
Support bank-wide initiatives by translating regulatory and policy changes into actionable fulfillment controls
Perform quality reviews and trend analysis to identify emerging risks, root causes, and systemic issues
Own and maintain risk metrics, dashboards, and reporting for leadership review
Coordinate responses to internal audits, regulatory exams, and compliance reviews, including evidence collection and follow-up
Ensure consistent process documentation and control alignment as the organization scales and evolves
Provide guidance and training to leaders and teammates on risk awareness, control execution, and compliance expectations
Minimum Knowledge/Skills
Bachelor’s degree in finance, Business, Accounting, Economics, Risk Management, or a related field or equivalent work experience
5+ years of experience in risk management, compliance, audit, or lending operations within a banking or financial services environment
Experience supporting retail or consumer lending products (e.g., personal loans, credit cards, auto loans, mortgages, HELOCs); in high-volume or growth-oriented consumer lending environments
Hands-on exposure to compliance testing, monitoring, or quality assurance in lending
Exposure to CFPB examination readiness
Strong understanding of consumer lending regulations
Experience analyzing loan or risk data and identifying trends
Strong attention to detail and documentation skills
Effective written and verbal communication
Ability to explain regulatory concepts to non-technical audiences
Strong critical thinking and sound risk judgment
Proven ability to manage multiple priorities in a fast-paced environment
Proficiency in Microsoft Excel (pivot tables, lookups, data analysis)
Experience with SQL, BI tools, SAS, or Python is a plus
Familiarity with GRC tools (e.g., Archer, ServiceNow GRC, Riskonnect) preferred
Relevant certifications preferred: CRCM, CRCMP, CAMS (if applicable)
PHYSICAL REQUIREMENTS
General Office Equipment
Keyboard Dexterity
Prolonged Sitting
COMPLIANCE
Acts affirmatively in all activities under his/her control in conformance with the Bank’s Affirmative Action, Equal Employment Opportunity, and Fair Lending Programs to achieve the Bank’s goals and objectives. The Bank shall provide equal employment opportunity to all qualified persons, and continue to recruit, hire, train and evaluate persons in all jobs without regard to race, color, religion, sex, national origin, or veteran status. Liberty Bank is an Equal Opportunity employer. It is the policy of Liberty Bank to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.