Associate- Lending Compliance

Acuity Analytics; Bengaluru; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Acuity Knowledge Services (India) Private Limited in Bengaluru (Bangalore) seeks an Associate to support the Corporate and Forensic Compliance vertical. The role covers email surveillance, voice reviews, marketing material reviews, pitch book review, code of ethics, forensic investigation, and social media monitoring for client engagements.

The candidate will review documents, gather data, analyze findings, document results, and escalate to line compliance coverage while managing stakeholder

Qualifications

• Graduate-equivalent education is required.
• Strong written and verbal communication skills.
• Experience in regulatory compliance or risk management is preferred.

Responsibilities

• Participates in and leads credit or scorecard review initiatives to ensure lending compliance.
• Review loan documentation and prepare reports with observations and recommendations.
• Analyze policies and forms to align with investor guidelines and regulatory requirements.
• Prepare reports for management and coordinate remediation with business units.
• Conduct compliance reviews and participate in regulatory change management.
• Support audits and examinations, including advance preparation and target reviews.
• Collaborate with onshore partners to resolve issues and ensure smooth delivery.

Skills

Regulatory compliance

Credit risk review

Data analysis

Stakeholder management

Communication skills

MS Excel

Education

Graduate-equivalent education

Tools

Microsoft Office

Job description

Group Company: Acuity Knowledge Services (India) Private Limited

Designation: Associate

Office Location: Acuity Analytics | www.acuityanalytics.com

Elixir Chancery, Bangalore

The Corporate and Forensic Compliance vertical is part of the wider Compliance team within Acuity Knowledge Partners focused on providing email surveillance, voice reviews, marketing material reviews and pitch book review, code of ethics, forensic investigation, and social media monitoring related support to the firm’s clients.

Core function of the team includes reviewing correspondence, documents, and social media feed, gathering data, performing analyses, documenting results, and escalating to line compliance coverage. The role will require stakeholder management and ability to multi-task.

Primary Responsibilities

• Participates and leads credit or scorecard review initiatives to ensure the Bank’s current lending channels are compliant with published credit policies, underwriting guidelines, departmental procedures, regulatory requirements and investor guidelines.
• Review moderate to complex loan documentation, using up-to-date comprehensive knowledge and experience to mitigate risks. Prepares written report for Department Manager detailing observations and recommendations for corrections. Works with impacted business units to address remediation and training.
• Analyzes published business unit policies, procedures, and forms to ensure accuracy and alignment with current investor guidelines and requirements. Consults with Government and Agency investors, vendors, legal counsel and Lending Compliance department, as needed. Serves as Compliance Coordinator for Banks Management Directives and Guidelines
• Prepares written report for Department Manager detailing observations and recommendations for corrections. Facilitate and lead discussions with Business Unit Managers and Senior Leadership as it pertains to Quality Control review results. Identify opportunities for new reviews, enhancements, automation, data driven compliance and improvement of Quality Control oversight programs for lending products offered by the Bank.
• Conducts compliance reviews, scheduled loan level documentation, transactional testing, risk assessments on lending products and services through focused and random sample basis. Participate in touchpoint meetings with business unit leaders and communicate regulatory change management. Participate in business unit touchpoint meetings.
• Perform QA continuous monitoring of regulatory compliance through the data driven compliance reporting processes.
• Review marketing campaigns, disclosures, new products, and general regulatory questions.
• Evaluate process maps, procedures, policies, and management directives for accuracy and completeness.
• Prepares written report for Department Manager detailing observations and recommendations for corrections.
• Works with affected business units to accomplish remediation and appropriate training as required.
• Supports Bank's efforts on all corporate compliance audits and Agency compliance examinations, including advance preparation. Leads applicable target reviews.

Should be able to handle client relationships to ensure smooth delivery.

• Should possess operations skills to support client in a range high volume compliance task.
• Possess strong knowledge of documentation, SOP’s, and process workflows.
• Communicate extensively over the phone to onshore partner to elevate/resolve issues.

Adherence to controls and compliance standards.

Key Responsibilities

• Deep understanding of FNMA, FHLMC, FHA, VA and investor guidelines.
• Minimum 4-6 years of experience in the relevant area
• Graduate equivalent education
• Previous compliance/risk management experience
• Strong communication skills – written and verbal.
• Knowledge of financial products/markets and familiarity with regulatory policies
• Strong research, analytical and comprehension skills, with ability to analyze and document large amounts of data.
• Sense of intellectual curiosity, enthusiasm, integrity, and confidentiality
• Excellent judgement and attention to detail
• Strong analytical and organizational skills
• Self-starter with ability to work effectively with minimal supervision.
• Proficiency in Microsoft applications

Excellent time management skills can act as a team player and ability to multi-task