Compliance Specialist II; Lending

Apply for the Compliance Specialist II (Lending) role at Gesa Credit Union
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Compliance Specialist II (Lending) requires knowledge of consumer regulatory compliance and is responsible for monitoring and assessing adherence to all local, state, and federal regulations. The role builds relationships and network with lending business units to ensure practices stay compliant as a second line of defense. Working with the Regulatory Compliance Manager and/or VP of Compliance, the specialist performs extensive and complex validation and targeted reviews of lending areas.

• Apply expertise in consumer and mortgage lending areas, including Regulation C (HMDA), Truth in Lending Act (Regulation Z), Real Estate Settlement Procedures Act (RESPA), Mortgage Servicing, Fair Credit Reporting Act, Fair Lending regulations (ECOA and Fair Housing Act), SAFE Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, and Homeowners Protection Act.
• Research, analyze, interpret, and apply lending regulations and practices as they relate to the credit union.
• Work with the Regulatory Compliance Manager and/or VP of Compliance to perform ongoing reviews of the credit union’s loan products; analyze loan data for compliance with regulations and internal policies.
• Develop and conduct internal compliance self‑assessments and reviews to ensure activities comply with applicable laws and regulations; communicate review requirements, assist in collecting audit material, and track findings and resolutions.
• Work independently on the credit union’s regulatory risk assessment 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; support lending and/or deposit disclosure updates, compliance monitoring, quality control, and other compliance projects.
• Review implementation of new or revised lending products/services for compliance and regulatory requirements; implement appropriate compliance validation steps.
• Assist in evaluating and resolving member complaints related to regulatory compliance.
• Recommend policies, procedures, and processes to ensure activities comply with applicable laws and regulations.
• Review marketing materials related to lending areas for compliance before release.
• Assist with periodic reports to the VP of Compliance for board and committee reporting.
• Keep abreast of regulatory changes; distribute materials, assess progress on new regulations, and serve as a subject‑matter expert.
• Maintain continuous study of applicable state and federal laws.
• Keep supervisor informed of key operating issues.
• Act as a compliance resource on lending areas in technology, process, training development projects.
• Assist with training as requested.
• Perform other job‑related duties as assigned.
• Assist with state and federal compliance audits and examinations.

• Understanding of methodologies for researching and analyzing compliance issues.
• Ability to assess regulatory requirements and ensure successful completion.
• Ability to develop expertise in specific regulatory areas such as mortgage lending or consumer lending.
• Excellent interpersonal, teamwork, listening, and customer‑service skills.
• Knowledge of loan origination systems and ability to navigate the credit union’s core processing systems.
• Proficiency in computer applications, reporting, and file/data systems.
• Critical‑thinking skills, detail orientation, resourcefulness, process‑improvement knowledge, and ability to express ideas.
• Displays values such as mutual respect, trust, honesty, and dignity; acts in the best interest of the credit union and displays solid ethics and integrity at all times.

• Four‑year degree required; six 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 a degree.
• Credit Union Compliance Expert (CUCE) or other related compliance certifications required; additional lending certifications preferred.
• Solid understanding…