Senior Fair and Responsible Banking Analyst

This is a fully remote position, open to applicants in Texas.

📋 Description

• Assist in implementing the organization's Fair Lending, Fair Servicing, and UDAAP compliance initiatives.

• Create market penetration assessments, activity-to-goals dashboards, executive summaries, and management reports.

• Perform Reasonably Expected Market Area (REMA) evaluations and conduct market research.

• Develop statistical analysis models and carry out statistical analyses and matched-pair testing from a fair lending viewpoint.

• Investigate and assess operational processes to determine UDAAP risks and propose controls or improvements.

• Execute transaction testing to ensure first-line compliance with policies, procedures, and business practices.

• Carry out transaction-level validation testing to confirm findings, controls, and corrective measures.

• Evaluate and authorize marketing materials from the perspective of Fair and Responsible Banking.

• Organize and manage UDAAP and Fair Lending risk assessment questionnaires.

• Examine lending, servicing, and operational data to uncover trends, anomalies, and possible compliance risks.

• Draft analytics and testing reports that detail methodology, findings, conclusions, and recommendations.

• Support regulatory examinations, audits, and internal reviews by supplying relevant documentation and analysis.

• Engage in special projects, investigations, and ad hoc analyses linked to Fair and Responsible Banking initiatives.

• Collaborate with business units, compliance teams, and management to deliver independent oversight, challenge, and advisory support.

⛳️ Requirements

• Extensive expertise in fair lending analytics and software for mortgage lending, consumer lending, and loan servicing; familiarity with RiskExec is preferred.

• High proficiency in Microsoft Office applications, including Word, Excel, and PowerPoint.

• Understanding of Fair Lending, HMDA, ECOA, FHA, CRA, UDAAP, and related consumer protection laws.

• Experience in data analysis, statistical testing methodologies, and compliance monitoring programs.

• Excellent written and verbal communication skills that are clear, concise, and effective.

• Capability to quickly learn and master new concepts, regulatory requirements, and associated product and functional knowledge.

• Ability to perform under pressure and adapt to tight deadlines or unexpected changes.

• Proven history of providing credible challenges, asking detailed questions, and seeking solutions.

• Strong analytical and problem-solving capabilities.

• Proficient computer and organizational skills.

• Ability to work autonomously while effectively collaborating with a multi-level team.

• Inquisitive nature and a commitment to learning and continuous improvement.

• Keen attention to detail, data quality, and documentation practices.

• Strong skills in organization, project management, and time management.

• Ability to distill complex data and regulatory requirements into actionable business insights.

• Competence in interpreting regulations and aligning requirements with existing processes.

• Knowledge of federally recognized examination procedures for relevant federal and state laws and regulations.

• Comprehensive understanding of all aspects of banking.

• Over 5 years of experience in mortgage lending, particularly in pricing and decision-making, fair lending analytics, and/or UDAAP compliance.

• Experience in supporting Fair Lending, UDAAP, Compliance, Risk Management, Internal Audit, or Regulatory Affairs roles.

• Proficiency in developing dashboards, executive-level reporting, and management presentations.

• Experience with statistical analysis techniques, matched-pair testing, market analysis, and risk assessments.

🏝️ Benefits

• Medical benefits

• Dental benefits

• Vision benefits

• Accidental Death benefits

• Long-Term Disability benefits

• Short-Term Disability benefits

• FSA

• HSA

• 401K

• Basic Life insurance

• Voluntary Life insurance

• Paid Parental Leave

• Performance-based bonus opportunity