Senior Fair and Responsible Banking Analyst

Cornerstone Capital Bank; Houston (TX); On-site; USD 80,000 - 120,000; Full time

Job summary

Cornerstone Capital Bank in Houston seeks a Senior FaRB Analyst to lead fair lending and UDAAP compliance efforts across lending and servicing operations. You will analyze data, test controls, and help shape risk-based decisions for regulatory adherence.

The role requires advanced analytical skills, experience with mortgage lending, REMA, and market research, plus the ability to communicate findings to senior stakeholders.

Qualifications

• 5+ years in mortgage lending, pricing and decisioning, fair lending analytics, or UDAAP.
• Experience supporting Fair Lending, UDAAP, Compliance, Risk Management, Internal Audit, or Regulatory Affairs.
• Experience developing dashboards and executive reports.
• Experience with statistical analysis, matched-pair testing, market analysis, and risk assessments.
• Strong communication, data quality, and documentation practices.

Responsibilities

• Generate market penetration analyses, dashboards, and executive summaries.
• Conduct REMA reviews and market research for REMAs.
• Design statistical analysis models and matched-pair testing from a fair lending perspective.
• Review operational processes to evaluate UDAAP risk and controls.
• Perform transaction testing to verify policy adherence.
• Review marketing materials for FaRB compliance.
• Coordinate UDAAP and Fair Lending risk assessment questionnaires.
• Analyze lending and servicing data to identify compliance risks.
• Author analytics and testing reports with methodology and recommendations.
• Assist regulatory examinations and audits with supporting docs.
• Lead special projects and ad hoc analyses for FaRB initiatives.

Skills

Fair lending analytics

Data analysis

Regulatory knowledge

Communication

Time management

Attention to detail

Independent work

Tools

RiskExec

Excel

PowerPoint

MS Word

Job description

Senior Fair and Responsible Banking Analyst

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is aTexas-basedfinancial services company dedicated to helping families, businesses, and communities thrive. Throughitsprimary subsidiary, Cornerstone Capital Bank, the organizationoperatesa community and business banking franchise alongside a premier national home lending, servicing, and home insuranceplatform-basedfinancial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision and Convictions statement,Cornerstoneoperates17full-servicebanking locations across major Texas markets andmore than 150mortgage offices nationwide.The companyhas servednearly700,000customersthrough its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members,Cornerstoneis consistently recognized as a Fortune-certified Great Place to Work and a Top Workplace.

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is thehighest-capitalizednew bank in Texas history.

We honorGodby using our talents to make apositive differencein the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Who we are lookingfor:

We are seeking a detail-oriented, analytical, and proactive Senior Fair and Responsible Banking (FaRB) Analyst to support the organization's Fair Lending, Fair Servicing, and UDAAP compliance programs. This role is responsible for performing data analysis, marketing reviews, monitoring activities, transaction testing, supporting risk assessments, and performing research to help ensure compliance with applicable consumer protection laws and regulations. The ideal candidate will possess strong analytical capabilities, experience in mortgage and consumer lending operations, and can effectively communicate findings and recommendations to stakeholders across the organization.

What you’ll do:

• Generate market penetration analyses, activity-to-goals dashboards, executive summaries, and related management reporting.
• Conduct Reasonably Expected Market Area (REMA) reviews and perform market research for REMAs.
• Design statistical analysis models, execute and analyze statistical analyses and matched-pair testing from a fair lending perspective.
• Research and review operational processes to evaluate associated UDAAP risk and recommend appropriate controls or enhancements.
• Perform transaction testing to verify first-line adherence to established policies, procedures, and business practices.
• Conduct transaction-level validation testing as needed to validate findings, controls, and corrective actions.Review and approve marketing materials from a Fair and Responsible Banking (FaRB) perspective to ensure compliance with applicable regulations and internal standards.
• Coordinate and facilitate UDAAP and Fair Lending risk assessment questionnaires with business partners and stakeholders.
• Analyze lending, servicing, and operational data to identify trends, anomalies, and potential compliance risks.
• Author analytics and testing reports, documenting methodology, findings, conclusions, and recommendations in a clear and concise manner.
• Assist with regulatory examinations, audits, and internal reviews by providing supporting documentation and analysis.
• Perform special projects, investigations, and ad hoc analyses related to Fair and Responsible Banking initiatives.

What you’ll need to be successful:

Success in this job relies on your time management skills, organization, and positive attitude. In addition, you’ll need the following qualifications:

• Strong proficiency with fair lending analytics and software for mortgage lending, consumer lending, and loan servicing; experience using RiskExec preferred.
• Strong proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.
• Knowledge of Fair Lending, HMDA, ECOA, FHA, CRA, UDAAP, and related consumer protection regulations.
• Experience in data analysis, statistical testing methodologies, and compliance monitoring programs.
• Consistently demonstrates clear, concise, and effective written and verbal communication.
• Ability to quickly grasp and master new concepts, regulatory requirements, and related product and functional knowledge.
• Ability to work under pressure and manage tight deadlines or unexpected changes in expectations or requirements.
• Track record of providing credible challenge, asking in-depth questions, and seeking answers.
• Strong analytical and problem-solving skills.
• Strong computer and organizational skills.
• Ability to work independently while collaborating effectively with a multi-level team.
• Inquisitive mindset and strong desire to learn and continuously improve.
• Consistently demonstrates attention to detail, data quality, and documentation.
• Strong organizational, project management, and time management skills.
• Ability to synthesize complex data and regulatory requirements into actionable business insights.
• Ability to interpret regulations and compare requirements to existing processes.
• Knowledge of federally recognized examination procedures to evaluate compliance with applicable federal and state laws and regulations.
• Broad knowledge and understanding of all facets of banking.

• This position requires 5+ years of experience in mortgage lending, especially in pricing and decisioning, fair lending analytics, and/or UDAAP compliance.
• Experience supporting Fair Lending, UDAAP, Compliance, Risk Management, Internal Audit, or Regulatory Affairs functions.
• Experience developing dashboards, executive-level reporting, and management presentations.
• Experience with statistical analysis techniques, matched-pair testing, market analysis, and risk assessments.

What we offer:

Because we recognize and reward hard work, we offer a competitive salary, Medical, Dental, Vision, Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K, Basic Life, Voluntary Life, and Paid Parental Leave benefits, as well as the opportunity for a performance based bonus based on position and department.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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