SUMMARY Responsible for administering and coordinating all aspects of the Bank’s Fair Lending Program and partnering with the CRA/Community Development Officer ensuring that the Bank maintains a sound Fair Lending risk management program that includes a continual analysis and review process to ensure that credit is made equally available to all qualified applicants in the communities in which we do business, and in a fair and consistent manner. Responsible for conducting fair lending risk assessments and providing detailed written recommendations to Management, and bank personnel. Ensure that adequate policies and procedures are maintained, and that a strong management information system for measuring and monitoring fair lending risk is utilized by performing the following duties.
DUTIES AND RESPONSIBILITIES include the following.
Conducts in-depth Fair Lending reviews arriving at conclusions, including recommendations for improvements, prepares and presents findings to the Board of Directors or a Committee of the Board, and Management detailing the Bank’s current performance regarding the geographic distribution of loan products, deposit products, and service delivery systems.
Manages the fair lending risk assessment processes.
Conducts monitoring of fair lending related activity and regulations to review and analyze results to help determine appropriate corrective action.
Assumes primary responsibility for the development/updates of the Fair Lending Program, policies and procedures, risk assessments, risk monitoring and management information systems, internal controls, self-assessments and other related documentation.
Monitors and recommends enhancements to the Bank’s Fair Lending risk management strategies as needed to align them with the ongoing changing scope and complexity of the Bank’s business models and practices, and relevant emerging issues, trends, legislation or regulatory guidance.
Provides ongoing guidance and training to loan officers and other lending departments of the Bank by communicating Fair Lending standards throughout the Bank.
Functions as subject matter expert for all Fair Lending compliance issues and provide advice and recommendations regarding the Bank’s Fair Lending efforts.
Prepares monthly status reports, action plans and time lines, periodically.
Periodically reviews and determines sufficiency of the designated assessment area(s).
Keeps abreast of, monitor, and analyze developing trends and changes in regulations relating to Fair Lending, including: HMDA, ECOA, FHA, and other regulations as applicable.
Understands and complies with requirements of all laws and regulations applicable to position.
Travel required (20% of the time) to regions as needed for training and presentations.
Perform other duties as assigned.
SUPERVISORY RESPONSIBILITIES
This job has no supervisory responsibilities.
Required Skills
COMPETENCIES - To perform the job successfully, an individual should demonstrate the following competencies:
Analytical and Design - Collects and researches data; Demonstrates attention to detail. Demonstrated ability to interpret laws and regulations, analyze processes, determine gaps and oversee resolutions.
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.
Interpersonal Skills/Customer Service - Maintains confidentiality; Remains open to others' ideas and tries new things; Responds promptly to requests for service and assistance; Meets commitments.
Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetings; Writes clearly and informatively; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.
Organizational Support - Follows policies and procedures; Supports organization's goals and values; Benefits organization through outside activities.
Judgment - Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.
Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.
Quality and Quantity - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Completes work in timely manner.
Adaptability and Initiative - Adapts to changes in the work environment; Changes approach or method to best fit the situation; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.
Required Experience
QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION AND/OR EXPERIENCE: Bachelor's degree (B. A.) from four-year college or university with seven (7) years’ experience in compliance oversight; or equivalent combination of education and experience. Minimum six (6) years’ experience with Fair Lending and CRA compliance required.
COMPUTER SKILLS: To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel. Ability to learn bank-specific software such as MPC, IBS, ADP, etc. Ability to use basic office machines.
BANK CULTURE/CUSTOMER SERVICE SKILLS: Promotes the Bank’s culture, including the support of our Brand promise and Core Values. Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.
PHYSICAL DEMANDS: While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.
WORK ENVIRONMENT: The noise level in the work environment is usually quiet.
This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion.
COMPETENCIES - To perform the job successfully, an individual should demonstrate the following competencies:
Analytical and Design - Collects and researches data; Demonstrates attention to detail. Demonstrated ability to interpret laws and regulations, analyze processes, determine gaps and oversee resolutions.
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.
Interpersonal Skills/Customer Service - Maintains confidentiality; Remains open to others' ideas and tries new things; Responds promptly to requests for service and assistance; Meets commitments.
Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetings; Writes clearly and informatively; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.
Organizational Support - Follows policies and procedures; Supports organization's goals and values; Benefits organization through outside activities.
Judgment - Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.
Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.
Quality and Quantity - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Completes work in timely manner.
Adaptability and Initiative - Adapts to changes in the work environment; Changes approach or method to best fit the situation; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.