JOB SUMMARY:

The Loan Compliance Specialist is responsible for completing quarterly audits and ensuring bank compliance with current and emerging regulations.

PRIMARY RESPONSIBILITIES/DUTIES:

• 
  Ensures assigned audits for loan compliance are performed in a timely and accurate manner.
  
• Works closely with Loan Compliance Officer to research emerging regulations and complete periodic review of existing regulations for bank compliance.
  
• Works closely with Compliance Department peers to ensure denied and withdrawn loan files meet FCB Guidelines and Federal Regulations.
  
• Makes recommendations to VP of Compliance for changes in policy or procedures as deemed necessary to stay in compliance.
  
• Notifies VP of Compliance of potential areas of risk identified in audits.
  
• Participates in the development and presentation of training on regulatory compliance and internal control procedures for lending staff and Senior Bank Management.
  
• Reports directly to the Vice President of Compliance.
  
• Performs additional tasks and projects as assigned.

SKILL REQUIREMENTS:

• 
  2 years’ experience in Loan Quality Control or Loan Compliance Audit preferred
• Excellent communication skills (oral, listening, written and presentation)
• Ability to communicate effectively with all levels of staff
• Critical-thinking skills—Must be able to use logic and reasoning to identify areas of risk and recommend solutions
• Organized, inquisitive, innovative problem-solver—Must have the ability to perceive, understand and interpret facts quickly and precisely
• Organized and thorough—Must document and recollect any written or oral guidance that was provided to lenders or loan production staff regarding loan compliance procedures or policies

TECHNICAL KNOWLEDGE:

Working knowledge of:

• 
  Bank operations, policies and procedures, related federal and state laws and requirements
• Truth-In-Lending
• Legal documentation requirements for Commercial Loans
• Bank products and services
• Deposit account rules/regulations
• Computer system and software
• Microsoft Office suite proficiency

Equal access to programs, services and employment opportunities is available to all persons without regard to age, ancestry, citizenship, status, color, physical or mental disability, genetic information, marital status, military status, national origin, race, religion, sex (including pregnancy), sexual orientation, or any other basis protected by federal, state, and/or local law.

In accordance with the Americans with Disabilities Act and/or applicable state and local laws, applicants requiring reasonable accommodations for the application and/or interview process should notify the FCB Human Resources Department. Examples of reasonable accommodations include making a change to the application process; providing written materials in an alternate format such as braille, large print, or audio recording; using a sign language interpreter; using specialized equipment; or modifying testing conditions.

Applicants have rights under Federal Employment Laws

Equal Employment Opportunity Poster https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf

Equal Employment Opportunity Supplement https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf

Family and Medical Leave Act (FMLA) https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/fmlaen.pdf

Employee Polygraph Protection Act https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf