Commercial Compliance Analyst

1 week ago

Fair Lawn, United States Columbia Bank Full time
Summary: The Commercial Compliance Analyst is responsible for ensuring that the Commercial Lending and Commercial Credit Departments comply with all pertinent laws and regulations, including but not limited to, the Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), and Regulation B: Equal Credit Opportunity Act (ECOA). As a first line of defense, the Commercial Compliance Analyst is responsible for HMDA and CRA data collection and integrity as well as the monitoring and testing of compliance with commercial lending regulations. Keeps up to date with subject regulations and adheres to all bank policies, procedures, and regulatory requirements.

Job Responsibilities:
  1. Regulation B Compliance
  • Monitors underwriting processing timelines through the development and review of weekly Regulation B reports.
  • Identifies loan transactions that are reaching the maximum allowable time for underwriting and communicates with the respective personnel in commercial credit and lending to ensure compliance with processing time requirements.
  • Ensures adverse action letters are issued as required by Regulation B for declined, withdrawn, and incomplete loans, as well as counteroffer letters.
  1. CRA and HMDA Data Collection and Integrity
  • Reviews loan information outlined in commercial credit approval memos and corresponding worksheets to ensure that the loans are reportable under the Home Mortgage Disclosure Act and Community Reinvestment Act. Confirms that all data in the corresponding worksheets is accurate.
  • Responsible for the collection, input and accuracy of HMDA and CRA data into the Bank's monitoring software. Works closely with the Community Development and Compliance Departments to ensure all data is provided timely and is accurate.
  1. Commercial Compliance Monitoring and Testing
  • Develops and implements first line of defense transaction testing to self-identify potential issues.
  • Performs transaction testing on a sample of loans to ensure compliance with regulatory requirements and internal procedures.
  • Tracks exceptions through the development and issuance of issue management reports to management. Leverages findings to identify opportunities for procedural improvements.
  1. Reporting
  • Develops reports to summarize monthly transaction testing results to management. Makes recommendations to enhance departmental procedures.
  • Tracks exceptions through the development and issuance of issue management reports to management.
  • Creates additional commercial compliance related reporting as needed.
  1. Policies, Procedures and Documentation
  • Develops and maintains policies and procedures related to first line commercial compliance monitoring and testing.
  • Works with the Commercial Lending, Credit and Closing Departments to enhance departmental policies, procedures and documentation to meet regulatory expectations.
  1. Regulatory/Compliance Knowledge
  • Remains current on regulations impacting commercial lending related activities.
  • Monitors regulatory changes and ensures that related policies, procedures and documentation is updated accordingly.
  1. Other
  • Performs other job-related duties as assigned.
Job Requirements:
  • Bachelor's Degree.
  • Three or more years of regulatory compliance related experience as it pertains to residential, consumer and/or commercial lending.
  • Strong attention to detail, accuracy, and adherence to deadlines.
  • Ability to adopt and leverage new technology.
  • Excellent verbal, written and interpersonal communication skills.
  • Strong analytical skills.
  • Proficiency in Microsoft Excel;
  • Must have knowledge of all regulations that apply to Commercial Lending, including, but not limited to:
    1. Regulation C - HMDA
    2. Regulation BB - CRA
      • Small Business
      • Community Development
    3. Regulation H - Flood
    4. Regulation B - ECOA
      • Adverse Action
      • 30-day rule
    5. Regulation V - FCRA & Identity Theft Red Flags
    6. Servicemembers Civil Relief Act
    7. Bank Secrecy Act
    8. Privacy of Consumer Information


Columbia Bank and its affiliates is an Equal Opportunity Employer

Affirmative Action Employer/Males/Females/Protected Veterans/Individuals with Disabilities

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