Compliance Specialist II; Lending

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Compliance Specialist II (Lending) requires deep knowledge of consumer regulatory compliance and is responsible for monitoring and assessing adherence to local, state, and federal regulations. This role builds relationships and networks with lending business units to ensure practices remain compliant as a second line of defense. The specialist will work with the Regulatory Compliance Manager and/or VP of Compliance to perform extensive and complex validation and targeted reviews of lending areas.

• Maintain expertise in consumer and mortgage lending regulations including Regulation C (HMDA), Truth in Lending Act (Regulation Z), RESPA, Fair Credit Reporting Act, ECOA, Fair Housing Act, SAFE Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, and Homeowners Protection Act.
• Research, analyze, and apply lending regulations and practices as they relate to the credit union.
• Conduct ongoing reviews of loan products and analyze loan data for compliance with lending regulations and internal policies and procedures.
• Develop and conduct internal compliance self‑assessments and reviews to ensure activities comply with laws, regulations, and rules; collect audit material and track findings and resolutions.
• Perform regulatory risk assessments covering all consumer regulatory risks, identify gaps, and provide recommended solutions; collaborate with stakeholders to implement solutions.
• Assist with monitoring vendor compliance with consumer regulations and perform compliance monitoring, quality control, and other compliance programs and projects as assigned.
• Review implementation of new lending products or changes to existing products for compliance and regulatory requirements and implement appropriate compliance validation steps focusing on lending areas.
• Assist in evaluating and resolving member complaints related to regulatory compliance.
• Recommend policies, procedures, and processes to ensure compliance with applicable laws, regulations, and rules.
• Review marketing materials related to lending areas for compliance prior to release to the membership.
• Assist with periodic reports to VP of Compliance for reporting to the Board of Directors, Supervisory Committee, and Executive Leadership.
• Keep abreast of regulatory changes; distribute materials to departments and assess progress on compliance with new regulations.
• Serve as a member of project teams related to lending areas, providing compliance resources for implementation of technology, processes, procedures, or development of training materials and/or functioning as a compliance resource for the credit union.
• Assist with state and federal compliance audits and examinations as needed.

• Understanding of methodologies for researching and analyzing compliance issues.
• Ability to assess regulatory requirements and complete regulatory requirements successfully.
• Expertise in mortgage lending, consumer lending, or related regulatory areas.
• Excellent interpersonal, teamwork, listening skills and customer service attributes.
• Knowledge of loan origination systems and ability to navigate credit union core processing systems.
• Proficient in computer applications, reporting, and file/data systems.
• Critical thinking skills, detail oriented, resourceful, process improvement knowledge, and ability to express ideas.
• Displays values such as mutual respect, trust, honesty, dignity, and acts in the best interest of the credit union; leads by example by displaying solid ethics and integrity at all times.

• Four (4) year degree required; six (6) years or more experience in banking, regulatory compliance, business management, electronic payments, project management, risk management, internal audit, or another analytical field accepted in lieu of degree.
• Credit Union Compliance Expert (CUCE) or other related compliance certifications required. Additional lending certifications preferred.
• Solid understanding of a variety of consumer regulatory requirements.
• Knowledge of concepts,…