Retail Lending Risk & Compliance Analyst

Liberty Bank; Middletown (CT); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Liberty Bank is seeking a Risk & Compliance Analyst – Retail Lending to support identification, assessment, monitoring, and mitigation of regulatory and operational risks across the retail lending portfolio. This role partners closely with lending, credit, operations, and audit teams to ensure compliance with consumer protection regulations and internal policies throughout the retail lending lifecycle.

The ideal candidate brings strong regulatory knowledge, analytical skills, and experience in

Qualifications

• Bachelor’s degree in finance, business, accounting, economics, risk management, or related field.
• 5+ years in risk management, compliance, audit, or lending operations in banking/financial services.
• Experience supporting retail or consumer lending products in high‑volume environments.
• Hands-on exposure to compliance testing, monitoring, or quality assurance in lending.
• Exposure to CFPB examination readiness.
• Strong understanding of consumer lending regulations.
• Experience analyzing loan or risk data and identifying trends.
• Attention to detail and documentation skills.
• Effective written and verbal communication.
• Ability to explain regulatory concepts to non‑technical audiences.
• Strong critical thinking and risk judgment.
• Ability to manage multiple priorities in a fast‑paced environment.

Responsibilities

• Strengthen first line of defense for Retail Lending Fulfillment with controls and regulatory adherence.
• Oversee HMDA governance with accurate data collection and reporting.
• Identify emerging risks by managing Key Risk Indicators.
• Monitor and assess risks across underwriting, processing, closing, and post‑closing.
• Design, document, and maintain key controls, testing, and remediation plans.
• Conduct appraisal compliance and risk reviews for regulatory adherence and standards.
• Identify deficiencies and drive timely remediation.
• Partner with Fulfillment, Compliance, Risk, Legal, and Audit to close gaps.
• Translate regulatory changes into actionable fulfillment controls.
• Perform quality reviews and trend analysis to identify systemic issues.
• Own and maintain risk metrics, dashboards, and reporting for leadership.
• Coordinate responses to audits and regulatory exams with evidence collection.
• Ensure process documentation and control alignment as the organization scales.
• Provide guidance and training on risk awareness and compliance expectations.

Skills

Regulatory knowledge

Analytical skills

Consumer lending experience

Regulatory interpretation to controls

Communication skills

Risk assessment

Process documentation

Issue remediation

MS Excel

SQL

BI tools

SAS

Python

GRC tools familiarity

CFPB readiness exposure

Education

Bachelor’s degree in finance

Tools

Excel

SQL

BI tools

SAS

Python

Archer

ServiceNow GRC

Riskonnect

Job description

Liberty Bank is seeking a Risk & Compliance Analyst – Retail Lending to support identification, assessment, monitoring, and mitigation of regulatory and operational risks across the retail lending portfolio. This role partners closely with lending, credit, operations, and audit teams to ensure compliance with consumer protection regulations and internal policies throughout the retail lending lifecycle.

The ideal candidate brings strong regulatory knowledge, analytical skills, and experience in