FCBank, CRA Fair Lending Analyst

Job Type


Full-time

Description

The CRA Fair Lending Analyst will perform a broad range of analyses, including quantitative analysis of bank and customer data, to support the Compliance Department. The analyses will play a crucial role in ensuring the Bank remains in compliance with all regulatory requirements and identifying potential fair lending risk and opportunities. This position requires a strong analytical background, excellent problem-solving skills, and a general understanding of federal regulations including, the Community Reinvestment Act, Regulation B-ECOA, Regulation C-HMDA, and Regulation Z-Truth in Lending.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Responsible for retrieving data and efficiently performing moderate to complex HMDA and CRA analysis.
• Develop and maintain various management reports to help monitor performance and assist in the early identification of risks posed to the Bank.
• Design and maintain key compliance management dashboards.
• Perform comparative file reviews
• Evaluate exception reporting to assess risk and compliance with Bank policies and procedures.

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect : Speak to others with kindness, empathy and fairness
• Inclusion : Encourage diverse viewpoints and contributions in decision-making
• Client Focus : Deliver consistent, high-quality service that builds trust and loyalty

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership: Demonstrate the ability to positively influence others to achieve
• Integrity : Strong business ethics and honest behaviors
• Collaboration : Positively working well with others to produce excellent results
• Volunteerism : A recognized and visible presence in serving our communities

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability : Personal responsibility for assigned areas and actions
• Innovation : Seeking and applying ideas and technologies to improve processes
• Professionalism : Reflecting skill, good judgment and positive conduct

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Take advantage of training opportunities to advance knowledge of related laws and regulations. Participate in team meetings related to lending or deposit initiatives to help build knowledge of department processes and how compliance impacts other areas of the Bank.

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, with 1 to 3 years related experience and secondary education preferred. A background screening will be conducted.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn the core transaction system, fair lending compliance software, Word, Excel, and any other computer programs pertinent to performing job duties.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

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

DISCLAIMER : This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.