Fair Lending Analyst

FAIR LENDING ANALYST

WHAT IS THE OPPORTUNITY?
The Fair Lending Analyst provides fair lending program support. Primary areas of focus will be comparative file reviews and HMDA quality reviews. The Analyst should have strong analytical and writing skills to communicate findings to the line of business. The Analyst may also be asked to assist with reporting, risk assessments, regulatory exam or audit requests, complaints, CRA related reviews, or other ad-hoc projects.

Compliance Risk Management Division
This is a great opportunity to grow your career with a stable and expanding organization as a member of City National's Compliance Risk Management team. The focus is on ensuring business activities remain safe, compliant and well-positioned for future opportunity and sustainable growth.

WHAT WILL YOU DO?

• Perform complex fair lending compliance reviews and analyze the fair lending risk of various business units
• Perform periodic monitoring and prepares reports summarizing the Bank's lending activity
• Perform comparative file/matched pair analysis for Residential, Consumer, and Small Business lending portfolios
• Provide support for the Home Mortgage Disclosure Act (HMDA) compliance program by reviewing reportable transactions, compiling data, and running validity and quality edit reviews
• Assist with completion and maintenance of risk assessments
• Provides guidance to the Bank's First Line of Defense in relation to HMDA data collection and Fair Lending related topics
• Assist with regulatory exams and audits
• Maintain proficiency in software tools necessary to complete requisite fair lending analysis and HMDA LAR submission
• Experience communicating and interacting with regulatory agencies, including exam management and other regulatory affairs
• Experience as a Certified Compliance Risk Manager (CRCM)

WHAT DO YOU NEED TO SUCCEED

Must-Have

• Prior experience as an Underwriter in a financial services or mortgage banking environment would be preferred.
• Minimum 5 years experience working with fair lending related regulations (i.e. HMDA, ECOA, FHA, CRA, UDAAP)
• Minimum 4 years PC experience including Microsoft Word, Excel, Outlook as well as some form of industry standard mortgage software.
• Prior experience working in a Regulatory Compliance role

Skills and Knowledge

• College degree preferred.
• Experience with fair lending regulations.
• Experience with HMDA file reviews is preferred.
• Experience with underwriting and pricing, which will be used in performing fair lending comparative file reviews is preferred.
• Experience with loan origination systems is preferred.
• Excellent organizational and analytical skills.
• Ability to communicate clearly and professionally with all levels of an organization.
• Excellent written and verbal communications skills.
• Effective interpersonal skills.
• Proficiency in multi-tasking and prioritizing projects.
• Excellent time management skills and be accustomed to working with deadlines.

COMPENSATION
Starting base salary: $87,027 - $138,965 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

To be considered for this position you must meet at least these basic qualifications
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

Benefits and Perks
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks.

INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT
City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.

ABOUT CITY NATIONAL
We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.