Loan Compliance Analyst

4 months ago

Holyoke, United States PeoplesBank Full time
Job DescriptionJob Description

Welcome to PeoplesBank We are the largest mutually chartered bank in Western Mass and Northern Connecticut and a leader in green values, sustainable energy financing, and charitable giving. We operate in the best interest of our customers and strive to be an inclusive and engaging work environment. We offer excellent compensation, workplace flexibility, and a competitive benefits package to our associates. Our award-winning culture has earned us recognition as Best Place to Work and Best Local Bank. Come join our team of dedicated and innovative individuals and contribute to our dynamic, successful organization.

Summary: The Loan Compliance Analyst will provide guidance on applicable local, state, and federal regulations. This position will require participation in process implementation and provide support to the Consumer Lending department. Associate should have a working knowledge of mortgage lending regulations and will ensure regulatory changes are incorporated into daily operations. Thorough review of Compliance matters will identify trends and errors and oversee remedial training.

Essential Duties and Responsibilities include the following. Other duties may be assigned

  • Responsible for collecting and validating HMDA reporting information in the origination system
  • Conducts accuracy validation and annual submission of the HMDA LAR
  • Responsible for pre-funding and post-closing quality control reviews of originated and non-originated loans
  • Performs review and updates from results of the monthly New/Existing Customer CIP Exception report
  • Identifies trends and errors through quality review and will implement remedial training to prevent future occurrences
  • Investigate and resolve red flags on loan files for compliant submission
  • Partnership with the Production and Servicing teams to provide guidance on all compliance matters
  • Supports strategic initiatives as the subject matter expert during project development stages
  • Monitors for changes within local, state, federal regulations and assists with the implementation of new expectations
  • Facilitates internal and external audits and assists with corrective action stemming from exam findings
  • Accountable for updates and revisions of all Consumer Lending reports, procedures, and forms
  • Assists the Secondary Market Department with review of loan purchases as needed.
  • Responsible for updating Indexes and Disclosures on a weekly, monthly, and annual basis.


Qualifications: To 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.

Education and/or Experience: Associate's degree (A. A.) or equivalent from two-year college or technical school; and a minimum of two years related experience and/or training.

Skills needed:

  • Excellent verbal and written communication skills.
  • Excellent interpersonal skills.
  • Excellent organizational skills and attention to detail.
  • Thorough understanding of consumer lending products and services.
  • Ability to explain complicated loan policies and terms in a clear and understandable way.
  • Knowledge of Compliance laws, rules, regulations, risks and taxonomies related to Mortgage Originations including Regulation Z, ECOA, CRA, HMDA, Agency Requirements i.e. FHA/VA
  • Ability to both work collaboratively and independently; ability to navigate a complex organization
  • Advanced analytical skills
  • Excellent project management and organizational skills and capability to handle multiple projects at one time


Computer Skills: Proficient with Microsoft Office Suite or related software program

Work Environment and Physical Demands: The working conditions and physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to sit, use hands to sort, write and keyboard, and to listen and speak. The associate is frequently required to reach, walk, stoop, crouch. The associate is occasionally required to stand, lift, bend, drive and travel.

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