Fair Lending Compliance Officer

Fair Lending Compliance Officer Responsibilities

• 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, peer identification, data extraction (via FFIEC website or other), data mining/analyses, assessment of initial data results, selection criteria for matched pair sample sizes and file review, and evaluation for potential unfair discrimination or other fair lending disparities/impact.
• Assess potential areas of concern in redlining analysis via review of multiple data sources and identify root causes.
• Perform comprehensive annual and/or periodic fair lending risk assessments; determine risk ratings with supporting rationale, propose corrective actions, and identify activity 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 and ensure compliance with 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 where necessary.
• 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 the needs of the community.
• Review lending products to ensure they represent safe and sound credit programs, while being adequately designed to meet the needs of 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 demonstrated ability to meet deadlines with minimal supervision.
• Highly proficient in time management, planning, and prioritization.
• Excellent analytical skills, 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 dealing with external groups and organizations; ability to communicate with a diverse community.
• Strong ethics and ability to maintain confidentiality.
• Effectively influences without authority and leads change by building trust and credibility.

• Bachelor’s degree from a 4‑year college or university required.
• Minimum 6‑8 years of financial institution consumer compliance experience, including specific fair lending experience.
• 5‑7 years experience with risk management and/or CRA responsibilities, preferably at a large financial institution.
• Preferred: experience performing fair lending risk assessments, audits/reviews, statistical fair lending analysis and/or redlining analysis.

• Proficiency with personal computer and Microsoft Word, Excel, PowerPoint, IBS, Salesforce, HMDA/CRA software.

Management responsibilities (Fair and Responsible Banking Analyst).

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.

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