Consumer Lending Compliance Specialist


The Compliance Analyst will assist the Compliance Officer to oversee the QNB Bank Compliance Management System, functioning with independence and objectivity to review and evaluate compliance issues/concerns within the organization. Specializing in consumer lending bank regulation, this position ensures processes are in place for the appropriate oversight, tracking and reporting of compliance program risks that includes an internal control structure, new products, training, regulatory change management, risk assessments, issues management, and monitoring and reporting.



·         Assist Compliance Officer in the development, administration, and monitoring of programs that ensure the bank's compliance with laws, regulations, and rules.

·         Performs post-closing documentation reviews on both consumer and residential mortgage loans to ensure compliance with all regulatory requirements, satisfactory fulfillment of any remaining conditions.

·         Performs pre-closing reviews using a 10% sample of all loans to ensure regulatory compliance.

·         Perform reviews (sampling basis) of HMDA LAR as outlined in the HMDA policy/procedures.

·         Maintain subject matter expertise and understanding of consumer lending laws, rules and regulations and an awareness of issues of recent regulatory focus, including CRA, Regulation B, ECOA, Safe Act, EConsent, FCRA, HMDA, RESPA, TILA, TRID and Fair Lending, as well as matters and compliance related initiatives relating to mortgage servicing.

·         Escalate and measure compliance risk issues to leadership including the Compliance Officer, Chief Lending Officer and Chief Risk Management Officer, as necessary.

·         Works with Compliance Officer to assist department staff as needed to review and research all regulatory issues, and to satisfactorily implement them throughout the origination, processing and closing of Consumer Loans and Residential Mortgages.

·         As assigned, reviews print and electronic media advertisements and other marketing materials for products and services to assure compliance with consumer protection laws and regulations.

·         In coordination with the Compliance Officer, monitors regulatory changes and develops training materials that includes these changes and to include applicable Residential and Consumer Lending policies. Presents to the Residential and Consumer lending teams these training materials during in person or virtual classes.

·         Coordinates the correction or mitigation of compliance errors. This process includes enlisting the help of department staff.

·         Maintains a data base of regulatory issues on all loan files to determine if potential training issues arise within either the Consumer team or the Residential team. Submits this report to the Residential and Consumer Lending Manager monthly.

·         Provides regulatory assistance in the development of new lending programs.



  • Three years’ demonstrated experience in a Consumer Lending compliance function, or commensurate relevant experience.
  • A Bachelor's degree or equivalent experience. ABA Certificate in Lending Compliance 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 Microsoft Office



 The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 The employee must occasionally lift and/or carry up to 25 pounds.  Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.



Work environment characteristics described here are representative of those that must be met by and employee to successfully perform the essential functions of this job.  The position may require some travel for conferences, committee meetings, and other Bank activities or events.  Regular and predictable attendance is required.  Ability to work weekends and overtime as requested.

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