Fair Lending Compliance Officer - Salt Lake City

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

Job summary

Une grande entreprise financière, Zions Bancorporation, recherche un Officier de conformité des prêts équitables pour soutenir son équipe de conformité. Le poste nécessite une expertise dans la réglementation des prêts, des compétences analytiques solides et la capacité de travailler en collaboration pour maintenir la conformité. Ce rôle essentiel comprend la réalisation de révisions de conformité et la rédaction de rapports détaillés.

Benefits

Centre de fitness pour employés

Accès à des stations de charge de véhicules électriques

Salle de repos et cuisine pour employés

Salles privées pour les mères

Qualifications

• 0-2+ ans d'expérience en conformité dans les services bancaires/financiers.
• Forte connaissance des réglementations en matière de prêts équitables.
• Expérience en tant qu'agent de prêt ou souscripteur est fortement préférée.

Responsibilities

• Effectuer des révisions périodiques pour évaluer la conformité aux lois.
• Préparer des rapports clairs concernant les problèmes réglementaires.
• Développer des relations de travail ouvertes et productives avec les collègues.

Skills

Communication

Analytical skills

Project management

Problem resolution

Education

Bachelor's degree

Tools

Microsoft Access

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

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.
• Bachelor's degree 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.