Regulatory Compliance Analyst

3 weeks ago

Bangor, United States Bangor Savings Bank Full time

Position Overview:Responsible for performing independent, secondary reviews of processes/activities pertaining to various areas of the Bank (primarily relating to lending), while aiding in the ongoing development, implementation, and maintenance of the Bank’s Quality Control Program. Ensures business line processes, policies, and controls are effective, demonstrate compliance with applicable regulatory requirements, investor guidelines, and government program requirements through periodic review. Reports results to business line personnel and partners with Business Line Management to resolve issues/errors and document trends for further issues management and risk mitigation. Escalates issues to Compliance Leadership and communicates results of QC reviews/trends of errors in a timely manner. Responsible for maintaining an understanding of subject matter relating to quality control reviews and adheres to timelines and requirements for reporting. Level I: Primary focus is on personal development of skills and acquisition of knowledge to be able to perform the activities of single or multiple functional areas, with supervision.Level II: Level I expectations with additional focus on increasing amount of production while being independently proficient and competent in multiple functional areas.Level III: Level I and II expectations of quality, production, and acquisition of knowledge while being competent and proficient in all aspects/functional areas of the role. Additional responsibilities include training less-experienced team members, assisting with complex issues/projects, acting as a resource to other team members, and reviewing processes and procedures for improvement opportunities.This is a full-time career opportunity based in Bangor, Maine that provides both remote and on-site work options with a required minimum of three days a week in the office. The hybrid (remote/on-site) work option is available upon successful completion of initial training (approx. 90 days). Key Accountabilities:

Continuously acquires, maintains, and increases their knowledge of banking, lending-related subject matter/products (including new/emerging product opportunities) and applicable regulatory requirements. Performs complex research and analysis of guidelines and regulations in order to monitor and ensure compliance with regulatory, investor guidelines and, government programs. Participates in developing, recommending, and implementing annual quality control reviews based on risks identified through the risk assessment process. Assumes responsibility for ensuring independent review and assessment of those areas. On-going implementation, maintenance, and oversight of a comprehensive monitoring program to assess the continued effectiveness of policies, procedures and controls designed to ensure compliance with all applicable regulations. Performs assigned operational duties, including some that are complex and require strong analytical skills to complete. Responsible for ensuring that the overall quality of the Bank’s Residential Mortgage loan portfolio is independently reviewed and assessed. Periodically provides written and/or verbal reports to management identifying outcomes of quality control activities including deficiencies in compliance, guidelines and/or procedures. Participates in applicable Bank projects, committees and working groups related to Quality Control. Makes recommendations regarding adequacy and effectiveness of procedures and/or policies, exception reporting systems, loan administration and risk management practices. Partners with Managers, Directors and Employee Development as a subject matter expert regarding Quality Control standards and assists in the development of materials for training when identified through quality control reviews. Partners with Compliance regarding local, state and federal regulations in relation to activities where Quality Control is applicable throughout the Bank. Assists in preparation for Federal and/or State Regulatory Compliance Examinations and External and Internal Audits. Reviews and recommends process improvements to reduce cost, improve efficiency and/or mitigate risk to the bank. Routinely exercises discretion and independent judgment while performing duties. General Competencies: Adaptability/Flexibility

– Adapts to change, is open to new ideas, takes on new challenges, handles pressure, and adjusts plans to meet changing needs. Initiative

– Takes independent action, operates as a pro-active self-starter, acts on opportunities, and practices self-development. Integrity/Ethics

– Deals with others in a straightforward, honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys news good or bad. Interpersonal Skills

– Has good listening skills. Communicates clearly and accurately. Coaching Skills

– Can provide coaching feedback to direct reports through regular observations of their performance. Vision/Values

– Supports company mission/values through daily actions and decisions, communicates the Bank’s vision, mission and values to others, and incorporates vision when planning the department’s future course. Knowledge/Skills/Experience Requirements:

High School diploma or equivalent required. Bachelor’s Degree or work equivalent preferred. 2+ years of banking experience required, especially in the fields of mortgage underwriting, lending/loan operations, secondary market, and/or regulatory compliance. Strong analytical and organizational skills with an ability to interact effectively with all levels of the organization. Committed to providing exceptional customer service. Demonstrated ability to effectively communicate (verbal and written) with all levels of the Organization. Strong computer skills with the desire to learn and apply new technology. Proven ability to meet goals, deadlines, and perform in a fast-paced, challenging work environment. Ability to work with little supervision and make independent decisions. Ability to research and solve problems. Ability to manage multiple tasks concurrently and prioritize accordingly. Physical Demands/Conditions Requirements:

General office environment. Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required. Equipment Used:

General office equipment. Misc. Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork. Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook. Maintains strict confidentiality. Performs additional duties as requested. External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.

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