Risk Management Officer; Lending

* While this position works with both markets, it can be located in the Phelps County or Greene County Market. Please complete the application for the location you are most interested in.This posting is for the Greene County Market.

Under the direction of the Chief Risk Officer, the Risk Management Officer-Lending is responsible for overseeing the organization's loan compliance program, ensuring adherence to federal and state regulations, and managing internal audit and quality control processes. This role supervises compliance staff and coordinates with loan officers, processors, and risk management teams to maintain regulatory alignment and operational integrity.

ESSENTIAL JOB FUNCTIONS (Other duties may be assigned)

Supervisory Duties

• Lead and mentor a team of compliance analysts and risk specialists.
• Assign tasks, monitor performance, and provide coaching and development opportunities.
• Foster a culture of accountability, integrity, and continuous improvement.

Compliance & Regulatory Oversight

• Ensure adherence to the loan compliance across all lending functions.
• Review loan file completeness, accuracy, and regulatory compliance.
• Manage consumer complaint resolution and maintain complaint logs.
• Maintain up-to-date knowledge of federal and state banking regulations and implement necessary policy & procedure updates.
• Monitor advertising reviews for compliance.

Quality Control & Auditing

• Lead and coordinate internal quality control audits for loan operations.
• Identify process gaps and recommend corrective actions to mitigate operational and compliance risks.
• Prepare audit reports and present findings to senior leadership.

Legal & Regulatory Reporting

• Manage the intake and response process for subpoenas.
• Manage the HMDA reviewing and reporting.
• Ensure timely and accurate reporting to appropriate agencies and stakeholders.

Projects & Training

• Design and implement regular compliance training programs to reduce deficiencies for bank staff
• Collaborate and manage projects with other departments to ensure compliance.

Qualifications and Education Requirements

• Bachelor’s degree in Finance, Business Administration, or related field.
• 7+ years related banking experience and/or training preferred.
• Or equivalent combination of education and experience.
• Strong knowledge of TRID, Fair Lending Act, and other applicable regulations.
• Proficiency in loan origination systems and regulatory reporting tools.
• Experience supervising staff and managing compliance programs.
• Should hold a or will obtain a Certified Regulatory Compliance Management certification within 2 years.
• Successfully complete courses in specialized education (paid for by the bank) within one year of hire. Regular technical training and attendance at educational seminars will be mandatory.

Required Skills

• Must be a self-starter who can complete tasks with little-to-no supervision. Must demonstrate a team-first attitude and voluntarily answer phone calls, respond to emails, and complete variable tasks.
• Reading and interpreting various documents, guidelines, and policies, writing reports, and communicating effectively and appropriately with colleagues and customers.
• Strong fundamental mathematical skills and attention to detail.
• Problem solving and troubleshooting practical problems.
• Ability to learn new tools, software, and equipment at a fast pace.

Physical Requirements

While performing the duties of this job, the employee is regularly required to stand and talk or hear. The employee frequently is required to walk; use hands to handle or feel; and reach with hands and arms. The employee is occasionally required to sit; climb or balance; and stoop, kneel, crouch or crawl.

• The noise level is typically moderate.
• Breaks are allowed throughout the day.
• Close proximity to other co-workers and customers may be occasionally required.

Corporate Values and Expectations - Five to Thrive

• Impressive Customer Experience - creating a positive and memorable experience for the customer that makes them feel valued and appreciated. building strong relationships with customers and demonstrating a genuine commitment to their satisfaction and success.
• World Class Employee Development - helping employees acquire new skills, knowledge, and competencies to succeed in their current role and prepare for future career opportunities.
• Uncommon Ownership - taking personal responsibility for one's work, actions, and outcomes, and treating the organization's goals and resources as if they were one's own.
• Community Champions - actively and passionately advocating for the needs and interests of a community and working to build stronger and more vibrant communities.
• Healthy Habits - regularly practicing behaviors that promote physical, mental, and emotional well-being.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

PHELPS COUNTY BANK IS AN EQUAL OPPORTUNITY EMPLOYER, INCLUDING DISABILITY AND VETERAN STATUS