Fair Banking Compliance Officer - Salt Lake City

Zions Bancorporation; Salt Lake City (UT); On-site; USD 60,000 - 80,000; Full time

Job summary

Zions Bancorporation is seeking a Fair Lending Compliance Officer to support the Fair Lending compliance efforts. This role involves evaluating the bank's adherence to fair lending laws, overseeing key program areas, and collaborating with business units to ensure compliance. If you have experience in loan underwriting and strong investigative skills, we invite you to apply and become part of our dedicated team in Salt Lake City.

Benefits

12 bank holidays

Profit sharing

Company-matched 401(k) contributions

On-site fitness center

Employee lounge and kitchen

Qualifications

• 0-2+ years in banking/financial services regulatory compliance.
• Strong knowledge of fair lending regulations.
• Experience as a loan officer, underwriter, originator is preferred.

Responsibilities

• Complete periodic fair lending reviews and evaluate compliance.
• Prepare written reports identifying regulatory issues.
• Support fair lending program and maintain adequate work papers.

Skills

Loan underwriting

Investigative skills

Communication skills

Research skills

Project management

Education

Education in banking/finance

Tools

Microsoft Excel

Microsoft Access

Microsoft PowerPoint

Microsoft Word

Job description

Fair Banking Compliance Officer - Salt Lake City

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker magazine as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

Zions Bancorporation, N.A. is currently seeking a highly qualified professional for the role of a Fair Lending Compliance Officer to support the Fair Lending Compliance Team. The Fair Lending Compliance Officer (“Compliance Officer”) is responsible for performing periodic fair lending monitoring of the bank’s portfolios, support key areas of the Fair Lending Program. Candidates should possess strong loan underwriting and pricing investigative skills. In addition to having strong investigative skills, the Compliance Officer must also have strong communication skills to partner with business unit managers and others for the file review process. The Compliance Officer assumes other responsibilities as assigned and reports to the Compliance Analytics and Fair Lending Manager.This position is located in Salt Lake City, Utah.

Responsibilities:

• Complete periodic fair lending reviews (underwriting, pricing, marketing, steering, etc.) to evaluate the bank’s level of compliance with fair lending laws, regulations, and guidance.
• Working knowledge of consumer/mortgage credit, credit reports, lending and underwriting concepts, practices and procedures.
• Ability to review and analyze income, assets, credit documentation, credit reports, debt ratios and loan to value information.
• Maintain adequate work papers to support observations and findings.
• Support, implement, and monitor key areas of the fair lending program and other areas of compliance to ensure that all areas of the Bank are complying with applicable laws, regulations and safety requirements.
• Monitor and validate business unit controls, metrics, reports, and procedures.
• Prepare clear and concise written reports that identify and explain root cause of any regulatory issues or violations of Bank policies/procedures.
• Assist in preparing for successful compliance tests, internal audits and regulatory examinations.
• Oversee the receipt and distribution of regulations and regulatory correspondence throughout the company and assure that actions required by regulations are implemented by management.
• Give feedback to compliance data analysts in establishing controls for data quality and fair lending model output quality.
• Develop and maintain knowledge and skills through the completion of continuing education and training.
• Develop and maintain open, productive working relationships with colleagues across the organization.
• Other duties as assigned.

Qualifications:

• Experience as a loan officer, underwriter, originator, etc. strongly preferred.
• 0-2+ yrs in banking/financial services regulatory compliance, auditing or other directly related experience.
• A combination of education and experience may meet requirements.
• Strong knowledge of fair lending regulations.
• Working knowledge of banking/financial regulatory compliance, compliance testing, auditing, financial principles, and regulatory issues.
• Solid communication skills, both verbal and written.
• Strong research, project management, organizational, analytical and problem resolution skills.
• Must be results oriented and able to work independently and meet deadlines.
• Working knowledge of Microsoft applications (Access, Excel, Word and PowerPoint).

Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City’s central business district, providing hundreds of team members with an exceptional work environment and features such as:

• Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages;
• An employee-only fitness center and bike storage;
• An employee lounge, kitchen, micro market, game tables, couches and TVs;
• Private mothers’ rooms and lockers; and
• Access to downtown shopping, dining, arts and entertainment.

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.

Click here to view applicable Federal, State and/or local employment law posters.

My Profile

Create and manage profiles for future opportunities.