Experience Inc. Jobs

The Regulatory Reporting Analyst is responsible for performing tasks that will help to ensure the accurate and timely data collection, data integrity, and preparation of the annual Loan Application Register (LAR) reports, in accordance with Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA) and section 1071 of the Dodd-Frank Act reporting requirements. Additionally, this position will perform monitoring and analysis of data within the LAR reports that will test internal controls and compliance with Fair Lending Laws and Regulations.ResponsibilitiesDaily responsibilities and essential duties include, but are not limited to, the following:Identify and review all loans and applications that will be subject to the reporting requirements of HMDA, CRA and section 1071 of the Dodd-Frank ActMonitor, ensure and maintain loan information quality and integrity to ensure regulatory compliance.Identify systematic and/or operational issues with regard to HMDA, CRA and section 1071 of the Dodd-Frank Act data integrity; recommend and coordinate resolution efforts across all affected business lines.Import data into reporting database, using knowledge of such processes to ensure accurate and efficient data collection.Perform geocoding, data quality and validity checks, & address exceptions with the applicable line of business. Research and resolve exceptions identified in accordance with established timeframes.Prepare LAR files for submission to regulators on or before the required deadlines.Prepare and develop monthly, quarterly and annual management reports for distribution to the applicable business units.Utilize resources to stay up-to-date with regulatory changes related to HMDA, CRA and Fair Lending reporting.Assist as required with regulatory exams and internal audits.Provide assistance with merger and acquisition projects related to the reporting of HMDA, CRA and section 1071 of the Dodd-Frank Act.Assist in the development and communication of regulatory policies and procedures to management for review and approval.Assist with regulatory compliance training.Assist in the development of a compliance risk assessment to evaluate compliance exposure in different business lines, products and customer types.Maintain understanding of the bank’s products, services, geographic locations, and the potential risks associated with those activities.Assist with coordination of federal and/or state regulatory agency examiners during examinations.  Furnish examiners with requested information.Conduct special projects as the need arises.Conduct other compliance reviews as assigned.Job RequirementsThe successful candidate will have the following qualifications and/or skills:BS/BA Business or a related field, or suitable work experienceMinimum of 1-3 years of experience in banking operations Strong knowledge of State and Federal regulatory requirements.Strong knowledge of banking principles and operationsExceptional organizational and time management skillsAbility to tactfully communicate with and gain respect of all employeesDetail orientedExceptional ability to shift priorities with short notice (agility)Extensive knowledge of bank policies and procedures.Excellent verbal and written communication skills.Ability to define problems and propose solutionsExceptional data analysis skillsBenefits401(k) with a company match of up to 6%ESOP employer matchMedical insuranceDental insuranceVision insuranceCancer / Disease insuranceAccident insuranceFlexible Spending AccountsHealth Savings AccountsHumana Go365 Wellness & Rewards ProgramBank paid Life / AD& D insuranceVoluntary Life / AD&D insuranceBank paid Short-Term and Long-Term Disability insuranceEmployee Stock Purchase PlanEmployee Assistance ProgramPhysical requirements:The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.This position requires sitting the majority of the time with limited walking and standing. All work occurs indoors and within regular working hours. The noise level in the work environment is usually moderate.