Fair Lending Officer

3 weeks ago

Cleveland, United States Civista Bank Full time

Description

Position Purpose:

The Fair Lending Officer is responsible for the bank’s mortgage, consumer and commercial lending data that is collected and reported in accordance with HMDA requirements. This role with manage Fair Lending analytics reporting utilizing the bank’s software tools. Demonstrates Civista Bank’s mission to improve the financial lives of our employees and shareholders to make a difference in the communities that we serve.


Key Accountabilities, Responsibilities And Expectations

  • Interpret, analyze and understand Fair Lending and HMDA data and its reporting requirements.
  • Facilitate the collection of HMDA data from mortgage, consumer and commercial lines of business on a regular and timely basis.
  • Review loan files as needed to validate information reported on the HMDA Loan Application Register (LAR).
  • Proactively communicate exceptions, errors or other concerns to the applicable line of business for review and resolution during internal and external reviews.
  • Conduct edit checks and provide feedback to management on areas requiring improvement to ensure data integrity.
  • Prepare and submit annual HMDA LAR to the Consumer Financial Protection Bureau (CFPB).
  • Develop, document, and execute applicable review and/or audit test samples independently or in conjunction with the Compliance team.
  • Adheres to industry standard reporting requirements regarding exceptions identified in the review process.
  • Participate in Compliance reviews, ad-hoc projects and training efforts, as required.
  • Attend training(s) (as available) to stay current on regulatory changes.
  • All other duties as assigned and any activities that support the key accountabilities.



Qualifications, Knowledge and Skills:

  • Bachelor’s degree or equivalent work experience
  • Financial services or Compliance experience preferred
  • 2-5 years of experience reviewing or auditing mortgage, consumer or commercial lending data
  • Minimum 2 years of experience working with large datasets (1,000+ files, fields or inputs)
  • Minimum 2 years of experience working with proprietary software products
  • Strong analytical and problem-solving skills
  • High level of accuracy and attention to detail
  • Effective communication skills, oral and written
  • Ability to multi-task and manage workload, including ad-hoc requests and adhere to deadlines
  • Intermediate understanding of applicable loan file documentation and underwriting policies
  • Intermediate knowledge of Fair Lending laws, regulations and requirements
  • Strong understanding of the Federal Reserve Bank system
  • Strong knowledge of HMDA related rules and regulations with a strong ability to apply regulatory changes to loan operations, as needed


Physical Requirements

  • Work involves eye strain due to the frequent use of computer screens, reading of reports and documents.
  • Work involves sitting for long periods at a time.
  • Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.


Pay Transparency Nondiscrimination Provision:

Equal Opportunity Employer EEOC M/F/D/V

This Position Description is not a complete statement of all duties and responsibilities comprising this position.

Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this position at any time.

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