Corporate Fair & Responsible Banking Analyst-Loan Review

About The Role

Summary

The Corporate Fair and Responsible Banking (FARB) Analyst – Loan Review supports the Corporate Fair Banking Manager in maintaining the organization’s fair banking compliance program

This role helps ensure lending and retail banking activities comply with applicable fair lending and consumer protection laws and regulations.
The Analyst independently performs complex data analysis, converts large datasets into actionable insights, and prepares clear reporting and executive summaries for senior management and Compliance committees

The role also provides subject matter guidance to Compliance, Lending, and Retail business lines by monitoring regulatory developments and supervisory expectations.
Key responsibilities include fair lending and compliance reviews, lead FARB’s risk assessment program, and the oversight of FARB-related models and non-model tools in partnership with analysts, ERM-Model Risk Management, and other stakeholders

The Analyst also contributes to the ongoing enhancement of the organization’s Compliance Management System.

 

This is a Corporate position which may be located in an available bank division across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY.

 

The mid rate pay for this position is $81,723.46 + / year (calculated for Kalispell, MT). Click here to learn more about our bank divisions.

 

All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

 

WA Applicants ONLY range: $75,663.07 to $113,494.60 a year.

• Perform fair banking and fair lending reviews, including loan, adverse action, Regulation B timing, hidden denial, marketing, redlining/mapping, data integrity
  

  And other risk-based reviews. surveys/conduct fair lending interviews, and other reviews dependent on industry changes or risks arise
  

  Create detailed executive summaries that include findings, observations, recommendations, and results from reviews
  

  Track and follow up on FARB recommendations to ensure completion by respective departments.

• Provide ongoing monitoring and assessments based on internal and external findings, regulatory changes, and audit results
  

  Assist in creating and distributing surveys or conducting interviews with employees related to fair banking topics
  

  Analyze results, prepare reports, and provide recommendations for improvement
  

  Update and manage the FARB Risk Assessment program and work with the FARB Manager to compile findings into a memo for presentation to the Compliance Committees
  

  Create department specific risk assessments to analyze and monitor throughout the year.

• Review and update policies, including Regulation B Application, Adverse Action procedures, and FARB and UDAAP policies
  

  Ensure all products and services comply with fair banking requirements
  

  Attend semiannual meetings with ERM-Model Risk Management team and make updates to models and non-model tools inventory lists and work papers.

• Maintain and update FARB work papers, which serve as guides for reviews, surveys, interviews, and risk assessments
  

  Ensure business continuity and support for internal and external audits and exams
  

  Participate in projects, activities, committees, and Teams calls for collaboration amongst colleagues to maintain overall compliance with regulations

• Monitor the shared FARB inbox and respond to FARB related inquiries from Compliance team members, GBCI, and Division employees
  

  Maintain communication and keep records of any significant issues or questions.

• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
  

  Must complete the assigned online training courses and achieve a passing score by due date
  

  Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
  

  Must complete the assigned online training courses and achieve a passing score by due date.

About You

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily The requirements listed below are representative of the knowledge, skill, and/or ability required Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education Required/Preferred Education Level Description Required Bachelor’s Degree Business, Finance or related field

Experience Required/Preferred Experience Level Description Required 5 years Minimum or 5 years related banking experience, preferably in a compliance environment, quality control, or lending role. Required 3 years Minimum of 3 years of experience in Fair Banking and/or Fair Lending compliance (e.g., ECOA/Regulation B, UDAAP), preferably within a federal regulatory agency or large financial institution.   Required 3 years Minimum of 3 years of experience developing and delivering fair lending reporting, analysis, and presentations. Required 3 years Minimum of 3 years hands-on experience with fair lending analytics and monitoring software. Required Advanced / Specialized Knowledge Strong knowledge of Fair Lending regulations is required: Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Fair Housing Act, Service Members Civil Relief Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth In Lending Act, Unfair Deceptive or Abusive Acts or Practices, Real Estate Settlement Procedures Act, Mortgage Acts and Practices. Required Beginner Experience Experience working with data and building reports and tables. Preferred Beginner Experience Experience with banking systems such as: Loan processing software, Jack Henry, Encompass, DecisionPro, Laser Pro, nCino, CRAWiz, Fair Lending Wiz.

Would an equivalent combination of relevant education and work experience be considered?:  Yes

License/Certification Required/Preferred License/Certification Description Required within 1 year of hire Other Relevant Certification Must obtain and maintain a professional designation such as Certified Regulatory Compliance Manager (CRCM), Fair Lending Expert (FLE), or Certified Community Bank Compliance Officer (CCBCO).

Required Skills and Abilities Ability to exercise independent judgement and demonstrate strong technical expertise in fair lending principles. Employee must be trustworthy and possess a significant level