Overview

Salary: $100,000.00 – $109,999.00

Client is seeking a Lending Compliance Officer to join their team.

We are looking for outstanding people to join on our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee.

We are an over 100 year old community bank with $4.9 billion in assets and branches throughout Northern and Central California. We have been profitable quarter in and quarter out for 23 years. Industry associations and rating agencies routinely rank among the top community banks for asset quality, capital ratios, safety and soundness and overall financial performance.

Job Description

The Lending Compliance Officer will implement and monitor the internal compliance audit monitoring program for the following departments: Residential Real Estate, Consumer Loan Center, Dealer Loan Center, Loan Services, Loan Documentations, Loan Adjustment and Commercial Hub’s to ensure regulatory reporting and documentation requirements are met. This position will also serve as the primary lead for all credit-related regulatory compliance, consumer, and commercial:

  1. Policies and procedures

  2. Risk assessments

  3. Implement new laws and regulations

  4. Monitoring- fair lending, TILA, adverse notices, flood, credit bureau reporting, data integrity, etc.

The LCO consults and coordinates with Business Unit Compliance Officers, senior management, and internal audit department personnel regarding new and revised legislations and regulations, and revisions  and new additions to policies, procedures and products. This position must maintain working relationship with the Compliance Departments and participate as a member of Bank’s Regulatory Compliance Committee.

Minimum Requirements

More progressively responsible work experience within the mortgage and consumer lending functions of a financial institution where the incumbent has gained an in-depth working knowledge of the following lending regulations:  Equal Credit Opportunity Act (REG B); Truth in Lending Act (REG Z); Home Mortgage Disclosure Act (REG C); Real Estate Settlement Procedure Act (RESPA & REG X); Fair Credit Reporting Act (FCRA); Flood Insurance Regulation; Fair Lending Act; Fair Housing Act; State Banking lending laws, Fannie Mae/Freddie Mac/FHA/VA guidelines and the loan process from, underwriting through servicing.  Incumbent must have a working knowledge of the lending function from product development to implementation.  Audit, underwriting and secondary market documentation knowledge is required.

Undergraduate degree required.  Mortgage banking courses highly desirable.  Incumbent must also possess strong analytical, communication, interpersonal, organizational and presentation skills.

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