Commercial Loan Quality Control Analyst

S&T Bank; United States; On-site; USD 22,041 - 45,460; Full time

Job summary

S&T Bank is seeking a detail‑oriented post‑closing compliance specialist to perform HMDA data validation, post‑close reviews, and documentation control for commercial lending. You will maintain HMDA registers, reprocess loan files, and ensure adherence to RegB and flood regulations while mentoring peers.

Candidates should have a high school diploma and 2–5 years in business with HMDA/RegB expertise; strong communication and teamwork skills are essential for success in a collaborative bank

Qualifications

• High school diploma or equivalent.
• Two to five years of general business experience, with one to two years specialized experience in HMDA, RegB, and flood regulations as they apply to commercial lending.
• Advanced knowledge of lending, applicable banking laws, federal and state regulations, bank policies, and lending platforms.
• Ability to work independently and collaboratively in a team environment.
• Strong interpersonal, organizational, and communication skills.
• Manual dexterity for typing and filing up to 60% of the business day.

Responsibilities

• Perform post-close reviews on loan applications and modifications through data field validation to ensure data integrity for commercial loan documents.
• Maintain HMDA Loan Applications Register, reviewing loans for HMDA accuracy and validating action codes; enter data in nCino LOS.
• Determine cause of HMDA errors, track by employee, and communicate findings to the Commercial Loan Post Close Compliance Supervisor while mentoring peers.
• Reprocess loan applications and modifications with lending personnel and request additional details required by underwriting standards.
• Conduct pre-audit reviews for underwriting and documentation preparation to ensure compliance with HMDA, RegB, CIP, and CDD monitoring.
• Validate compliance documentation for withdrawn and declined loan applications and monitor withdrawals to meet timeframes; ensure RegB disclosures when applicable.
• Collaborate with management to implement regulatory updates across commercial loan documentation operations.
• Work with the Commercial Loan Funding and Compliance Quality Control Supervisor to ensure quality control and report findings.
• Obtain proficiency in loan origination software, Microsoft Office Suite, FIS, imaging systems, and related upgrades.
• Maintain knowledge of applicable laws, regulations, and bank policies/underwriting manuals to ensure compliance.
• Assist in developing and maintaining commercial loan documentation manuals used for training.
• Maintain positive relationships with coworkers and vendors; work independently and as a team.

Skills

HMDA knowledge

RegB knowledge

Flood regulations

Education

High school diploma

Tools

FIS

Microsoft Office

Job description

Location: 355 North Fifth Street Indiana, PA 15701Hours: Monday - Friday: 8:00AM - 5:00PM (Additional hours as necessary to meet the objectives of the department)

Responsibilities

• Perform post‑close reviews on loan applications and modifications through a data field validation process to ensure data integrity for commercial loan documents.
• Maintain an accurate and complete HMDA Loan Applications Register, reviewing loans for HMDA accuracy, validating action codes for cancelled and denied applications, and entering correct data in nCino LOS.
• Determine the cause of HMDA errors, track them by employee, and communicate findings to the Commercial Loan Post Close Compliance Supervisor while mentoring peers.
• Reprocess loan applications and modifications with lending personnel, track relevant information, and request additional details required by underwriting standards in accordance with the bank’s retention policy.
• Conduct pre‑audit reviews for underwriting and documentation preparation to ensure compliance with HMDA, RegB (joint intent to apply), CIP, and CDD monitoring, and provide training recommendations.
• Validate compliance documentation for withdrawn and declined loan applications and monitor loan withdrawals to meet compliance timeframes. Ensure appraisal disclosure letters (RegB) are produced when applicable.
• Collaborate with management to implement regulatory updates across commercial loan documentation operations.
• Work closely with the Commercial Loan Funding and Compliance Quality Control Supervisor and lending management to ensure consistent quality control, report errors and findings, recommend actions to improve processes, and prepare quality‑control reports.
• Obtain and sustain proficiency in loan origination software, Microsoft Office Suite (Word, Excel, Access, PowerPoint, Outlook), core operating system (FIS), imaging systems, and related software upgrades.
• Maintain a thorough knowledge of applicable laws, regulations, and the bank’s corporate and lending policies/underwriting manuals to ensure compliance.
• Assist in developing and maintaining commercial loan documentation manuals used as training and reference materials.
• Maintain positive, productive relationships with coworkers and third‑party vendors; demonstrate strong interpersonal skills and the ability to work independently and as a team player.

Qualifications

• High school diploma or equivalent.
• Two to five years of general business experience, with one to two years of specialized experience in HMDA, RegB, and flood regulations as they apply to commercial lending.
• Advanced knowledge of lending, applicable banking laws, federal and state regulations, bank policies, and lending platforms.
• Ability to work independently and collaboratively in a team environment.
• Strong interpersonal, organizational, and communication skills.
• Manual dexterity for typing and filing up to 60% of the business day.

Education & Experience

• Requires a high school diploma or equivalent basic academic education.
• Requires two to five years of general business experience with one to two years specialized experience and advanced knowledge in HMDA, RegB and flood regulations.

Physical Demands

Operate a keypad device and electronic equipment; 90% of the day in a seated position. Manual dexterity for typing and filing up to 60% of the business day. Close vision required for computer work.

Equal Opportunity

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Employees with access to compensation information are prohibited from disclosing pay to individuals without access, except in formal complaints, investigations, or when required by law. The employer is committed to providing reasonable accommodations to qualified individuals with disabilities.

Salary Range

$16.23 - $33.32