Lending Compliance Analyst

Lending Compliance Analyst Patelco Credit Union - 3.5 Dublin, CA Job Details Full-time $32.08 - $37.74 an hour Benefits Paid holidays Health insurance Dental insurance Tuition reimbursement Paid time off On-the-job training Employee assistance program Vision insurance Life insurance Qualifications Computer operation Computer literacy Productivity software Banking Cross-functional communication

Full Job Description About Patelco Credit Union:

Patelco Credit Union is a not-for-profit credit union with a purpose to build financial health and wellbeing for our members. Since 1936, Patelco has grown from $500 in assets to over $9 billion in assets and is the 7th largest credit union in California with branches throughout Northern California. We are here for our members throughout all their stages of life. Meeting them with the products and services to help them plan purposefully for their futures and to secure our life-long partnership as their trusted financial advocate. As one team, we are all committed to delivering service, empowering financial literacy, creating products, and providing new technology for our members. We believe that work should be rewarding, challenging, and enjoyable. We're dedicated to creating a positive and supportive culture where our team members can thrive. If you're looking to use your skills and knowledge to make a difference in our members' lives, Patelco could be the perfect fit for you.

Overview:

The Compliance Analyst supports the Lending Compliance function by helping ensure lending operations adhere to applicable regulatory requirements, internal policies, and fair lending standards. This role performs risk-based compliance monitoring and quality control reviews of lending activities and assists in identifying potential compliance risks, trends, and control gaps. The Compliance Analyst works closely with Consumer Lending, Underwriting, Credit Risk, and Compliance teams to support regulatory adherence, issue remediation, and continuous improvement of lending processes. This position assists in evaluating lending transactions, underwriting outcomes, and operational practices to help ensure alignment with applicable regulations, including fair lending and UDAAP requirements.

Responsibilities:

Conduct risk-based monitoring and quality control reviews of lending transactions, documentation, and disclosures to ensure compliance with regulatory requirements and internal policies. Document monitoring results, identify potential compliance risks, and assist with tracking remediation efforts and corrective actions. Conduct daily business quality control reviews and communicate findings to their direct manager. Assist in ensuring adherence to applicable federal and state lending regulations including, but not limited to: Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), Fair Lending regulations, Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Conduct regulatory research and assist in providing guidance to business units regarding regulatory requirements and process improvements Assist in monitoring lending activities and underwriting outcomes to help identify potential fair lending risks, trends, or anomalies. Support fair lending reviews by analyzing approval and decline patterns and assisting in gathering information needed for fair lending analysis and reporting. Assist in reviewing automated underwriting and decision engine outcomes to identify potential compliance concerns or trends. Support compliance reviews of lending program updates, underwriting guideline changes, and decision logic adjustments as needed. Assist in identifying potential Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) risks within lending processes, member communications, and lending practices. Escalate potential concerns to their direct manager for further review. Analyze lending data and monitoring results to identify trends, anomalies, or potential compliance risks. Prepare summaries of monitoring results, findings, and trends for Compliance leadership and Lending management. Issue Tracking & Remediation Maintain documentation of compliance monitoring activities, findings, corrective actions, and remediation status. Assist in evaluating root causes of compliance findings and support business units in implementing corrective actions. Stay current with regulatory developments, industry trends, and changes affecting lending compliance. Assist in evaluating the impact of regulatory updates on lending processes and procedures. Become proficient in the use of Compliance Governance, Risk, and Control (GRC) tools and monitoring systems. Support compliance management in troubleshooting systems issues and identifying opportunities for process improvements. Understand and comply with all applicable federal and state laws and banking regulations (including OFAC and Bank Secrecy Act / Anti-Money Laundering requirements) and Patelco Credit Union policies and procedures. Perform other duties as required and assigned

Qualifications:

Bachelor's degree or equivalent work experience 3+ years of experience in a financial institution, preferably in regulatory compliance, lending operations, underwriting, or risk management. Knowledge of lending regulations such as TILA, ECOA, FCRA, Fair Lending, and UDAAP preferred. Strong analytical, organizational, and problem-solving skills. Ability to communicate effectively with business units to support process improvements and compliance monitoring activities. Strong computer skills including proficiency in Microsoft Office Suite, particularly Word and Excel.

Target Base Pay:

$32.08 - $37.74 / hr Compensation at

Patelco:

Please note that the salary information is a general guideline only. Patelco Credit Union considers factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience, education/training, key skills, internal peer equity, as well as market and business considerations when extending an offer. We offer a competitive total rewards package including a Short-Term Incentive (STI) program for all regular positions and a wide range of medical, dental, vision, financial, and other benefits.

We Offer:

Physical Health:

Exceptional Medical, Dental, Vision, and Life Insurance benefits Rewards for completing wellness related activities

Financial Health:

Competitive compensation packages with bonus opportunity 401(k) with 3% Safe Harbor and 5% employer match Discounts on loan products Tuition reimbursement

Emotional Health:

Employee Assistance Program (EAP) PTO for part-time and full-time positions Paid holidays

Personal Development:

On-the-job training and skills development Internal transfer opportunities for career growth Volunteer work Patelco Credit Union is an Equal Opportunity Employer including individuals with disabilities and protected veterans IND123