Commercial Compliance Quality Assurance Manager

Overview

The Commercial Compliance Quality Assurance Manager supports Commercial and Small Business Lending by managing first line compliance risk activities, embedding regulatory and policy requirements into business processes, and supporting portfolio administration quality. This role partners with lending, credit administration, operations, legal, risk, and compliance teams to identify, monitor, report, and remediate compliance and portfolio risks while supporting audit readiness, regulatory preparedness, and a strong compliance culture.

The Commercial Compliance Quality Assurance Manager supports Commercial and Small Business Lending by managing first line compliance risk activities, embedding regulatory and policy requirements into business processes, and supporting portfolio administration quality. This role partners with lending, credit administration, operations, legal, risk, and compliance teams to identify, monitor, report, and remediate compliance and portfolio risks while supporting audit readiness, regulatory preparedness, and a strong compliance culture.

• First Line Compliance
  
  Risk Management:
  
  Strengthen first line compliance oversight for Commercial and Small Business Lending processes, products, controls, and business activities.
• Regulatory and Policy Alignment:
  Support consistent adherence to applicable laws, regulations, internal policies, and enterprise risk standards throughout the commercial lending lifecycle.
• Portfolio Quality Oversight:
  Enhance portfolio compliance monitoring through timely tracking, reporting, escalation, and remediation of financial statement, covenant, annual review, and related portfolio administration requirements.
• Control Effectiveness and Issue Remediation:
  Improve control execution, issue management, documentation, and regulatory readiness through effective monitoring routines, management reporting, and remediation support.
• Business Partner Guidance and Training:
  Promote consistent understanding of regulatory, policy, documentation, financial statement tracking, covenant testing, and annual review requirements through guidance, coaching, job aids, and training support.

• Serve as the first line compliance risk owner for Commercial Lending processes, products, controls, and related business activities.
• Translate regulatory requirements and enterprise policies into practical procedures, controls, checklists, and business guidance for lending teams.
• Support compliance oversight across the commercial lending lifecycle, including origination, underwriting, approval, documentation, closing, servicing, portfolio monitoring, renewals, modifications, and problem loan management.
• Identify emerging regulatory, operational, fair lending, UDAAP, privacy, customer treatment, and documentation risks that may impact commercial lending activities.

• Maintain and enhance first line control routines to prevent, detect, and correct compliance issues.
• Coordinate timely remediation of audit, compliance testing, regulatory exam, issue management, and self-identified findings.
• Maintain evidence of control execution, business decisions, approvals, and remediation activities to support auditability and regulatory readiness.
• Review new products, process changes, system enhancements, marketing materials, and business initiatives to evaluate compliance impacts before implementation.

• Monitor financial statement tracking to confirm required borrower financial information is received, recorded, reviewed, and followed up on in accordance with policy requirements.
• Review covenant testing compliance to ensure required testing is completed timely, supported by appropriate financial information, and documented with results and follow-up actions.
• Track annual review timeliness and elevate overdue or at-risk reviews in accordance with established procedures.
• Support portfolio compliance oversight through review of borrowing base reporting, collateral inspections, appraisal updates, exception tracking, past due monitoring, watch list documentation, and risk rating change support.

• Partner with lending leadership, credit administration, operations, legal, risk, and second line compliance teams to identify, assess, monitor, and remediate compliance risks.
• Prepare clear status updates, risk assessments, control results, issue…