Corporate Fair & Responsible Banking Analyst-Small Business Lending
Glacier Bancorp
About The Role Summary This position assists the Corporate Fair and Responsible Banking (FARB) Manager and Enterprise Compliance Officer in conducting reviews of the Small Business Data Collection (SBL) section 1071 requirements, reviewing supporting documentation, and researching SBL regulations. Analyze SBL data to identify errors, trends, and need for targeted reviews. Write executive summaries to present SBL review findings to senior management. Make updates to existing SBL policies and procedures. Work with division SBL coordinators to make corrections on the SBL Loan Application Registry. Create and deliver SBL training to compliance and division employees. Communicate, request, and organize requests made on behalf of the Corporate FARB Manager for documentation such as loan files and disclosures from the Divisions for review. This is a Corporate Position, which can be located in an available bank division location across our eight-state footprint in AZ, CO, ID, MT, NV, UT, WA, or WY. Click here to learn more about our bank divisions. The entry rate for this position is $ 67,770.67 + / year (calculated for Kalispell, MT). All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background. Description Work with the FARB Manager and Enterprise Compliance Officer to make all corrections to SBL data by utilizing procedures and replacing commands after lending data is imported into CRAWiz. Work with all division SBL coordinators through the division’s SBL correction tool after semi-monthly imports and major reviews. Make the corresponding corrections in CRAWiz. Assist with the regularly scheduled SBL coordinator call by creating agenda and documenting any major issues presented. Extract data from LOS’s and import into CRAWiz to create SBL LAR as well as other imports as needed. Assist with other Fair Lending Reviews as requested by the FARB Manager. Work with the FARB Manager and Enterprise Compliance Officer to assist with conducting Section 1071 of the Dodd-Frank Act Small Business Lending (SBL) reviews. These reviews will consist of monthly targeted reviews, quarterly full-file reviews, annual submission reviews, and reviews of high-risk data that will change with the lending environment. Perform necessary research for SBL rules, regulations, standards, policies etc. and understanding all GBCI SBL procedures and policies, including FARB requirements. Assist with creating, updating, implementing, and training of SBL rules, regulations, policies, and procedures. Assist the FARB Manager and Enterprise Compliance Officer by answering all questions that come into the 1071 Support email inbox from Compliance, Loan Ops, and division employees. Create summary of findings as well as document any trends that may come from these reviews and can be used in trainings. Assist with SBL data reviews for all acquired banks and perform all necessary research prior to acquisition. Assist Compliance Officers with SBL reviews. Communicate and organize requests made on behalf of FARB Manager for documentation such as loan files, data, and information necessary to perform analysis and reviews. Develop positive working relationships with all staff, attend relevant meetings and training sessions and assist in the flow of information to division and corporate members. Assist with the regularly scheduled SBL coordinator call by creating agenda and documenting any major issues presented. Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date. About You Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education Required/Preferred Education Level Description Required Bachelor’s Degree Business, Finance or related field Experience Required/Preferred Experience Level Description Required A minimum of 5 years commercial lending experience such as processor, lender, credit analyst, closer, assistant or minimum of 3 years commercial lending experience in addition to 5 years experience in fair lending or compliance. Required Advanced / Specialized Knowledge Strong knowledge of Fair Lending regulations is required: Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Fair Housing Act, Servicemembers Civil Relief Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth In Lending Act, Unfair Deceptive or Abusive Acts or Practices, Real Estate Settlement Procedures Act, Mortgage Acts and Practices. Required Advanced Experience Query/database or business intelligence tools such as Kadence or PowerBI Preferred 3 years Experience with HMDA data collection, validation, or submission and with all expanded HMDA data points Preferred Beginner Experience Prior work experience with banking systems which could include: Jack Henry, Encompass, DecisionPro, Laser Pro, nCino, CRAWiz, Fair Lending Wiz experience desired. Would an equivalent combination of relevant education and work experience be considered?: Yes License/Certification Required/Preferred License/Certification Description Required within 1 year of hire Other Relevant Certification Must obtain a professional designation such as Certified Regulatory Compliance Manager (CRCM), Fair Lending Expert (FLE), or Certified Community Bank Compliance Officer (CCBCO). Required Skills and Abilities Employee must be trustworthy and possess a significant level of credibility, discretion, and diplomacy. Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization. Employee must be a team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization. Ability to monitor, analyze and apply compliance rules, regulations and procedures. Ability to adapt to change (e.g. shifting priorities, demands, and timelines) through time management, analytical, and problem solving skills. Employee must be a self-starter with ability to take ownership and accountability of all roles and responsibilities with minimal supervision. Ability to serve as a backup for other staff members in a mutually supportive team work environment. Employee must be capable of regular, reliable, and timely attendance. Additional Requirements Travel Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Working Conditions Environment: Indoors, a climate-controlled shared work area. Noise Level: Moderate noise; not extreme or excessive; within reasonable limits. Lifting: Sedentary work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Vision Close visual acuity to prepare and analyze data and figures, view a computer terminal, and read the computer screen, printed materials, and handwritten materials. Physical Activities Frequency Balancing: Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces. Infrequent – rare. Climbing: Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms. Infrequent – rare. Crawling: Moving about on hands and knees or hands and feet. Infrequent – rare. Crouching: Bending the body downward and forward by bending leg and spine. Infrequent – rare. Feeling: Perceiving attributes of objects such as size and shape, temperature or texture by touching with skin, particularly that of the fingertips. Infrequent – rare. Fingering: Picking, pinching, typing or otherwise working primarily with fingers rather than with the whole hand as in handling. Daily. Grasping: Applying pressure to an object with the fingers and palm. Infrequent – rare. Kneeling: Bending legs at knee to come to a rest on knee or knees. Infrequent – rare. Lifting: Raising objects from a lower to a higher position or moving objects horizontally from position to position. Occasional – now and then. Pushing: Using upper extremities to press against something with steady force in order to thrust forward, downward or outward. Occasional – now and then. Pulling: Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion. Occasional – now and then. Repetitive Motion: Making substantial movements (motions) of the wrists, hands, and/or fingers. Daily. Stooping: Bending body downward and forward by bending spine at the waist. Infrequent – rare. What We Offer COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details! COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out! We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws. Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US. No Recruiters or unsolicited agency referrals please.
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