Compliance Analyst- Fair Banking

Job Summary:

• Will work with the Fair Lending Lead Compliance Analyst and the Compliance Director to develop, implement, enhance, and maintain the fair and responsible banking program
• Serves as a subject matter expert in ensuring lines of business compliance with applicable regulatory requirements and industry expectations including, but not limited to ECOA (Reg B), UDAAP, FCRA, Truth in Lending, HMDA, SCRA, and MLA

Essential Functions:

• Complete or collaborate with others on special projects and initiatives, including implementation of new or updated rulings
• Partners with the Compliance Director on regulatory examination preparation, including research, document gathering, tracking, and uploading requested items
• Works with the Fair Lending Lead Compliance Analyst and the Compliance Director to implement, enhance, and maintain a Fair and Responsible Banking Program including risk assessment formulation
• Assist with Fair Lending reviews, including ongoing comparative file reviews, marketing analysis, quality of assistance, exceptions, and redlining reviews, ensuring appropriate remediation occurs
• Performs quarterly reviews and validations to ensure accurate and timely regulatory reporting of HMDA and Small Business/Small Farm loan data to the Federal Regulators
• Provides second-line independent oversight and guidance regarding business products, services, and processes to ensure the Bank complies with applicable laws, rules, regulations, and industry expectations
• Stays current with industry best practices and guidance relating to fair and responsible banking
• Ensures training plan includes general awareness and role-based fair and responsible banking training as needed

Qualifications:

• Bachelor’s degree in business or related field OR combination of equivalent relevant work experience and high school diploma, GED, or equivalent required
• Excellent verbal, written, and interpersonal communication skills with the ability to interact with all levels of Bank personnel
• Strong computer skills with proficiency in MS Outlook and Office suite of products required; must have advanced skill level in Microsoft Excel
• Comprehensive knowledge of ECOA, FHA, HMDA, SCRA, MLA, UDAP/UDAAP, and CRA Loan Data Collection requirements
• 5 or more years’ progressive experience in banking compliance or related field, with at least two years focused in fair lending and/or fair and responsible banking compliance required
• Ability to analyze federal consumer protection regulations and apply them in real-world contexts
• Experience with related industry systems and software a plus
• General knowledge of other federal and state banking laws, rules, and regulations
• Excellent analytical and problem-solving skills with the ability to work independently and manage multiple tasks concurrently
• Sound organizational skills and attention to detail

About us:

• At PlainsCapital, we’ve always had a trailblazing spirit. PlainsCapital was founded in 1988 by Alan White and a group of investors who raised the capital to acquire Plains National Bank, a Lubbock financial institution with one branch and $198.8 million in assets. Alan, who retired from his post as Chairman of PlainsCapital Bank in 2019, partnered with a team of young bankers who dreamed of bringing relationship banking to Lubbock, and they began to grow the bank one relationship at a time.
• Today, PlainsCapital Bank is one of the largest banks in Texas based on deposit market share. Under the leadership of President and Chief Executive Officer Jerry Schaffner, we have a statewide presence with more than 60 locations in all major Texas markets. We are a strong and stable financial institution and a trusted community partner. We take pride in helping our customers blaze trails of their own, whether launching or expanding a business, raising a family, or moving into retirement. Our diverse range of services includes commercial banking, treasury management, private banking, and wealth management, as well as consumer banking.