Senior Fair and Banking Analyst
Listed on 2026-08-28
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Finance & Banking
Regulatory Compliance Specialist, Banking Operations, Risk Manager/Analyst, Financial Compliance
Senior Fair and Responsible Banking Analyst
Cornerstone Capital Bancorp, Inc., headquartered in Houston, is aTexas-based financial services company dedicated to helping families, businesses, and communities thrive. Throughitsprimary subsidiary, Cornerstone Capital Bank, the organizationoperatesa community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company dedicated to helping families, businesses, and communities thrive.
Guided by a core Mission, Vision and Convictions statement,Cornerstone operates
17full-service banking locations across major Texas markets andmore than 150mortgage offices nationwide.
The company has served nearly
700,000customersthrough its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members,Cornerstone is consistently recognized as a Fortune-certified Great Place to Work and a Top Workplace.
Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history.
We honor
God
by using our talents to make a
positive difference
in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.
We are seeking a detail-oriented, analytical, and proactive Senior Fair and Responsible Banking (FaRB) Analyst to support the organization's Fair Lending, Fair Servicing, and UDAAP compliance programs. This role is responsible for performing data analysis, marketing reviews, monitoring activities, transaction testing, supporting risk assessments, and performing research to help ensure compliance with applicable consumer protection laws and regulations. The ideal candidate will possess strong analytical capabilities, experience in mortgage and consumer lending operations, and can effectively communicate findings and recommendations to stakeholders across the organization.
What you’ll do:- Generate market penetration analyses, activity-to-goals dashboards, executive summaries, and related management reporting.
- Conduct Reasonably Expected Market Area (REMA) reviews and perform market research for REMAs.
- Design statistical analysis models, execute and analyze statistical analyses and matched-pair testing from a fair lending perspective.
- Research and review operational processes to evaluate associated UDAAP risk and recommend appropriate controls or enhancements.
- Perform transaction testing to verify first-line adherence to established policies, procedures, and business practices.
- Conduct transaction-level validation testing as needed to validate findings, controls, and corrective actions.
Review and approve marketing materials from a Fair and Responsible Banking (FaRB) perspective to ensure compliance with applicable regulations and internal standards. - Coordinate and facilitate UDAAP and Fair Lending risk assessment questionnaires with business partners and stakeholders.
- Analyze lending, servicing, and operational data to identify trends, anomalies, and potential compliance risks.
- Author analytics and testing reports, documenting methodology, findings, conclusions, and recommendations in a clear and concise manner.
- Assist with regulatory examinations, audits, and internal reviews by providing supporting documentation and analysis.
- Perform special projects, investigations, and ad hoc analyses related to Fair and Responsible Banking initiatives.
Success in this job relies on your time management skills, organization, and positive attitude. In addition, you’ll need the following qualifications:
- Strong proficiency with fair lending analytics and software for mortgage lending, consumer lending, and loan servicing; experience using Risk Exec preferred.
- Strong proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.
- Knowledge of Fair Lending, HMDA, ECOA, FHA, CRA, UDAAP, and related consumer protection regulations.
- Experience in data analysis, statistical testing methodologies,…
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