Compliance Specialist, Lending

Five Points Bank, founded in 1971, is a family‑owned community bank known for its personalized banking services and strong commitment to its customers. Based in Nebraska, it has grown to become the largest bank in the tri‑city area and the eleventh largest in the state. With a foundation built on integrity and treating customers like family, Five Points Bank prioritizes exceptional service while staying true to its community‑focused values. Joining Five Points Bank means becoming part of a team dedicated to fostering meaningful relationships and supporting the financial growth of its customers. Job Description The Compliance Specialist, Lending primary responsibilities will be to serve as the Bank’s HMDA (Home Mortgage Disclosure Act) and Lending Compliance Subject Matter Expert, reporting directly to the Banks Chief Compliance Officer. Additionally, the individual in this role will be responsible for developing, administering and administering all aspects of the Bank’s Compliance Program as assigned. Essential Functions Responsible for preparing and submitting the Banks HMDA LAR on an annual basis. Includes monthly scrubbing of entries made on the LAR. Prepares and provides data reports on home improvement, home purchase and refinances of dwellings under HMDA. These reports are submitted to the Bank’s Board of Directors on a quarterly basis. Monitors changes to HMDA regulation and assists Compliance Director with disseminating changes in policy and practice to applicable bank staff through training seminars and reading materials. Analyzes consumer, commercial, and real‑estate loans and renewals from customer applications, determining loan qualifications for HMDA. Enters compiled data from the completed and processed loan forms into the Banks HMDA Data entry software, NLending. Reviews denied and withdrawn real‑estate loan applications to determine if they are HMDA reportable and ensures adverse action notices are accurate and complete. Assists with fielding questions and concerns, and services requests associated with HMDA and other consumer and commercial real‑estate lending compliance needs. Provides bank staff with guidance and supporting documentation as appropriate. Works closely with the Head of Mortgage to review and analyze the following: Small Servicer Annual Qualifications HMDA annual closed and open‑end loan counts HELOC annual total count Update ATR/QM Policy Renew the Banks LEI registration on an annual basis Ensure compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations. Maintain a proficient knowledge of all applicable banking rules and regulations Assist Compliance Director with conducting periodic and ongoing testing of compliance with laws and regulations and develop corrective action plans where applicable. Assist Compliance Director in advising bank personnel in the area of lending compliance including attending applicable loan department meetings for compliance coverage. Ensure compliance with all applicable reporting and recordkeeping requirements. All duties as assigned. Qualifications Math aptitude Ability to interact effectively with other bank personnel, management and co‑workers Sound judgment, courtesy, tact and diplomacy Proficient with MS Word, Excel, Outlook and Internet navigation for research purposes Knowledge of compliance laws and regulations Knowledge of bank operations and procedures Have a high level of accuracy and problem‑solving skills Excellent verbal and written communication skills Self‑starter; ability to work effectively without direct supervision Excellent organizational and time management skills Education/Training Five or more years’ experience working directly with HMDA and Consumer Real Estate in a financial institution, either in a lending or compliance position or five or more years’ experience working in Lending Compliance (Consumer and Commercial Lending). Data Mining Experience is a plus. Personal Attributes Effective interpersonal skills and relationship‑building skills Strong written and oral communication skills Self‑motivated and directed Keen attention to detail Experience working in a team‑oriented, collaborative environment Strong customer‑service orientation Status/Standard Schedule Salary position Monday through Friday between the hours of 8:00 a.m. to 5:00 p.m. #J-18808-Ljbffr Five Points Bank