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Glacier Bancorp Fair and Responsible Banking Analyst in Billings, Montana

Fair and Responsible Banking AnalystGlacier Bancorp

Billings, MT, United States

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About the Role

Assist the Corporate Fair and Responsible Banking Manager in conducting reviews of data, analyzing data and reviewing supporting documentation. Perform computer-based data analysis to scope the risk within a product line and determine reviews needed to evaluate the risk. Review and analyze data to identify errors, trends, and the need for expanded reviews. Develop and present training either in person or via hosting a webinar to large groups. Communicate, request and organize requests made on behalf of the Corporate Fair and Responsible Banking Manager for documentation such as loan files and disclosures from the Divisions for review.This position works for the GBCI Corporate Division.

This position can be located in any branch location within our footprint; Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada . Relocation Assistance is available!

DUTIES AND RESPONSIBILITIES:

  • Perform computer analysis using statistical modeling of data to evaluate risk; perform geographic distribution of loan products, deposit products, marketing, and services to monitor for evidence of redlining; perform monitoring for steering, discrimination, and unfair, deceptive or abusive acts or practices. Test transactions and processes for marketing, application taking, underwriting and pricing, servicing, collections, deposit account opening and servicing of deposit accounts. Determine appropriate course of action based on file review results, including root cause analysis of any violations.

  • Work with Fair and Responsible Banking Manager to conduct global Fair and Responsible Banking Risk Assessments for any activity for Glacier Bank and its divisions; monitor policies, procedures and practices to ensure adherence to regulations related to Fair Lending and UDAAP and internal controls; conduct reviews and identify trends or patterns for accuracy of HMDA, including submission of HMDA data; assist with various fair lending reviews, fair banking reviews and targeted UDAAP reviews as needed.

  • Monitor and research consumer complaints submitted by the division employees and federal regulators/government entities. Review consumer complaints on a periodic basis for UDAAP and fair lending related issues and report to compliance management any trending or customer service issues. Manage complaint software to ensure all complaints are complete and include required information.

  • Perform necessary research for new rules, regulations, standards, policies etc. Read and be knowledgeable on all GBCI procedures and policies, including FARB requirements. Assist with implementation of new rules, regulations, processes and procedures.

  • Maintain records of data validation errors, validate the corrections are made, identify trends or systemic issues related to data quality and need for expanded reviews. Use thorough and complete work papers that follow exam procedures using established templates and procedures for each review performed. Issue results of reviews using existing templates for reporting to management.

  • Communicate, request and organize requests made on behalf of Fair and Responsible Banking Manager for documentation such as loan files, data, and information necessary to perform analysis and reviews. Develop positive working relationships with all staff, attend relevant meetings and training sessions and assist in the flow of information to division and corporate members.

  • Research and analyze business processes for problems and propose solutions. Report to the Fair and Responsible Banking Manager.

  • Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.

About You

QUALIFICATIONS:

  • Minimum of 5 years of related banking experience, preferably in loan underwriting or compliance environment required.

  • Minimum of 3 years experience with HMDA and/or CRA data collection, validation or submission required.

  • Minimum of 2 years experience with Fair Lending and/or HMDA/CRA software required; Fair Lending Wiz and CRAWiz preferred.

  • Strong knowledge of Fair Lending regulations is required: Equal Credit Opportunity Act, Home Mortgage Disclosure Act, Fair Housing Act, Servicemembers Civil Relief Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth In Lending Act, Unfair Deceptive or Abusive Acts or Practices, Real Estate Settlement Procedures Act, Mortgage Acts and Practices.

  • Loan processing, Jack Henry, Encompass, Word, Excel, DecisionPro, Laser Pro, CRAWiz, Fair Lending Wiz experience desired.

  • Bachelor’s Degree in Business related field or equivalent combination of education and experience is required.

  • Must attain a professional designation such as Certified Regulatory Compliance Manager (CRCM) or Certified Community Bank Compliance Officer (CCBCO) within 12 months of hire.

KNOWLEDGE, SKILL, ABILITY:

  • Possess knowledge of banking regulations, and have the ability to assess and address compliance risks of various bank products and services, customer types, and banking transactions.

  • Possess strong qualitative/analytical skills.

  • Ability to maintain data within a complex database

  • Ability to monitor, analyze and apply compliance rules, regulations and procedures.

  • Ability to work independently to carry out assigned tasks.

  • Good problem-solving skills and ability to react quickly to arising problems.

  • Ability to communicate, both orally and in writing, with others in the Company to perform effective audits and to report the results.

  • Occasional travel may be required.

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Must be capable of occasional travel (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

PHYSICAL DEMANDS: 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.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Light work. The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays.

COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.

Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $16 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength.

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.

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