Lending Compliance Manager - Remote work available

Position Summary

The Lending Compliance Manager is responsible for ensuring the bank’s adherence with compliance requirements for the Community Reinvestment Act (CRA), commercial/small business, consumer, and mortgage lending regulations and requirements, and Non deposit Investment & Insurance Product regulatory requirements.

 The following duties are intended to provide a representative summary of the major duties and responsibilities and ARE NOT intended to serve as a comprehensive list of all duties performed by all employees in this classification. Incumbent(s) may not be required to perform all duties listed and may be required to perform additional duties. 

Essential Duties and Responsibilities 

1. Maintain compliance programs for: CRA, Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), Fair & Accurate Credit Transactions Act (FACT Act), fair lending, Privacy (Regulation P), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Flood Disaster Protection Act, Secure and Fair Enforcement Mortgage Licensing Act (SAFE Act), Non deposit Investment Products (NDIP), Insurance products, Service-members Civil Relief Act (SCRA), Military Lending Act (MLA), Loans to Insider (Regulation O) and State of Alaska requirements.
2. Maintain a strong working knowledge of compliance regulations and regulatory changes, advise management, and make necessary changes to policies or procedures as appropriate. As new regulations or updates to existing regulations are issued, work with applicable departments to ensure compliance.  
3. Continually monitor lending operations for adherence with compliance requirements and identify, resolve and document all procedural or regulatory violations which may be noted. Implement effective changes to processes that ensure ongoing compliance.
4. Coordinates the consumer and commercial lending aspects of the compliance management system ensuring proper policies, procedures, risk mitigation activities, and operating controls are followed
5. Regularly review the Company’s compliance policies and procedures to ensure accuracy. As appropriate, submit material updates, new policies or policies needing periodic review or approval to management. 
6. Collaborate with various departments to assure compliance involvement in new loan products, service development, and existing products & services review. 
7. Work collaboratively with all affiliates and subsidiaries to ensure compliance with regulatory requirements for regulations assigned.
8. Represent the Company and assist in the management of FDIC and state examinations.
9. Provide recommendations to the Compliance Director on the frequency and content of audits conducted for CRA and lending regulations to ensure audits are performed effectively and the interval between audits is appropriate.  
10. Partner with Human Resources to ensure appropriate compliance training courses are assigned for bank employees and to monitor effectiveness. Promote professional development and seek specialized training for self and staff. Keep current on industry standards and best practices.
11. Lead operational lending compliance projects, including regulatory evaluation, implementation, and procedure and monitoring development.
12. Assist with the preparation and implementation of the Compliance business operating plan and budget.  
13. Be the Company’s official point of contact for lending and CRA regulatory requirements and reporting, including data scrubs and submission of the CRA LAR.  Prepares CRA packets in support of Service Hours, Investments & Donations, in order to substantiate CRA qualification.
14. Prepare annual loan compliance risk assessments.
15. Complete online, written and in-person compliance training within established timeframes.
16. Other duties as assigned.

Supervisory Responsibilities

• Carry out supervisory responsibilities in accordance with the company policies and applicable laws. Responsibilities include scheduling hours, interviewing and training employees; planning, assigning, and directing work; conduct performance evaluation; working with HR to address work related issues. 
• Ensure employees complete compliance training within established timeframes; understand and implement compliance requirements applicable to their positions.

Education

• Bachelor’s degree in a related field.

Experience

• Eight years of experience with compliance to include 
  1. Three years of lending compliance experience.
  2. Supervisor experience preferred.
• Equivalent combination of education and/or experience that fulfill the requirements of the position may be considered.
• Related military education/experience may be used as a substitute for education or work experience.

Licenses & Certifications 

• Certified Regulatory Compliance Manager (CRCM) or Certified Compliance Manager (CCM) preferred.