Fair Lending Compliance Officer

Job Title

Fair Lending Compliance Officer

• Analytical knowledge of fair lending approaches and technical skills of statistical and data management tools
• Design, assess and/or execute statistical models to evaluate fair lending risk across various credit products (mortgage, commercial lending, small business lending, credit cards, etc.)
• Conduct UDAAP analysis and fair lending analysis including underwriting and pricing regression, redlining, and peer identification, data extraction, data mining, assessment of initial data results, selection criteria for matched pair sample size, and evaluation for potential unfair discrimination or other fair lending disparities
• Assess potential areas of concern in redlining analysis via review of multiple data sources and consider root causes
• Perform comprehensive annual or periodic fair lending risk assessments, determine risk ratings with supporting rationale, propose corrective actions, and identify activities that could cause potential financial harm to customers
• Work with the Director of Community Development to monitor the bank’s CRA performance
• Coordinate, document and review CRA lending performance
• Periodically review the bank’s assessment area to ensure reasonableness of delineation
• Ensure compliance with CRA data collection, reporting, and disclosure requirements
• Maintain relevant CRA reports and files, including data and documentation
• Provide CRA and fair lending training to employees and management as needed
• Analyze current demographic data, determine appropriateness of existing products and services, and recommend changes to management
• Analyze and document components of the lending test using CRA software and other technical resources to track CRA performance and present reports to management
• Make recommendations to improve the bank’s CRA position in the community
• Review new products and services to ensure they meet community needs
• Review lending products to ensure they represent safe and sound credit programs and are adequately designed for low or moderate income individuals or neighborhoods
• Respond to internal and external audits and assist with regulatory examinations
• Handle verbal or written CRA and fair lending related complaints and assist in issuing responses

• Knowledge of CRA and Fair Lending laws and regulations
• Strong organizational skills, with a demonstrated ability to meet deadlines while working with little or no supervision; highly proficient in time‑management, planning and prioritization
• Excellent analytical skills, demonstrated critical thinking, attention to detail, and problem‑solving
• Excellent verbal and written communication skills, and ability to interface effectively with senior management
• Ability to work in a fast‑paced, changing environment
• Strong interpersonal skills in dealing with external groups and organizations; ability to communicate with a wide range of individuals in a diverse community
• Strong ethics and the ability to maintain a high degree of confidentiality
• Effectively influences without authority and leads change by building trust and credibility

• Management responsibilities
• The Fair and Responsible Banking Analyst

• Bachelor’s degree from a four‑year college or university required
• Minimum of six to eight years of financial‑institution consumer compliance experience, including specific experience in fair lending
• Five to seven years of experience with risk management and/or Community Reinvestment Act responsibilities, preferably at a large financial institution
• Preferred experience performing fair lending risk assessments, audits/reviews, conducting statistical fair lending analysis and/or redlining analysis

• Skilled in operation of a personal computer and Microsoft Word, Excel, and Power Point
• IBS
• Salesforce
• HMDA/CRA software

• None

Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust, please contact Human Resources at

Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability.

All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.

For more information about your EEO rights as an applicant under the law, please .