American National Corporation
Consumer Lending Risk Analyst
American National Corporation, Omaha, NE
Job Summary
The Consumer Lending Risk Analyst functions as the first line of defense by identifying and mitigating potential fair lending compliance risks. They are responsible for performing quality control, monitoring, and testing of business line controls to ensure adherence to Bank policy and regulatory requirements.
Essential Job Duties & Responsibilities
Experience & Education Needed:
Together, we can do more for your future...
At American National Bank, we provide our team members with comprehensive benefits to do more for you and your family.
We offer:
*Eligibility Criteria Apply
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
The Consumer Lending Risk Analyst functions as the first line of defense by identifying and mitigating potential fair lending compliance risks. They are responsible for performing quality control, monitoring, and testing of business line controls to ensure adherence to Bank policy and regulatory requirements.
Essential Job Duties & Responsibilities
- Act as a subject matter expect on fair lending laws and regulations within the first line of defense. This includes all aspects of first line risk management.
- Analyzing, trending, and reporting on data related to business line practices to identify fair banking risks. Provide valuable business insights in relation to risk and control management strategies.
- Support various business line projects to address specific fair lending compliance risk issues, working with business leaders to analyze and quantify risks, assess solutions or mitigation activities, and support the development of remediation plans.
- Reviews current policies and procedures to identify process gaps and opportunities for improvement.
- Exercise good judgment in assessing the significance and relevance of identified fair banking risks and timely escalation to Risk Management.
- Assess controls frameworks throughout the consumer business lines for adequacy against the Company's enterprise-wide controls
- Function as a liaison between the second line of defense and the business lines to ensure appropriate coordination on consumer-related changes in law and regulation by translating the regulatory impact into the business lines' operations
- Participate in the interpretation of new legal and regulatory requirements, identify relevant requirements, and oversee implementation of these requirements, where appropriate. Provide guidance to business line staff to ensure control design and/or enhancement objectives adequately mitigate risk in the most operationally efficient manner possible.
Experience & Education Needed:
- 5 experience in financial services with an audit, risk management or compliance background and/or experience with consumer lending compliance and products required.
- Working knowledge of Fair Banking laws and regulations, including but not limited to ECOA/Reg B, UDAAP, FHA, SCRA, FCRA, FDCPA strongly preferred.
- Strong Understanding of Consumer Lending including Indirect Lending, Direct Lending, Credit Card Lending preferred
- Bachelor's degree or the equivalent experience required; Business or Finance degree preferred.
Together, we can do more for your future...
At American National Bank, we provide our team members with comprehensive benefits to do more for you and your family.
We offer:
- Competitive base compensation with additional performance-based annual earning potential
- Career growth potential built into every role
- 401(k) Investment Plan with up to 4% match by ANB with immediate vesting and profit sharing*
- No cost Life Insurance with benefit 2x base salary (subject to cap), with ability to purchase additional coverage
- Paid Time Off, Paid Holidays and Paid Volunteer Time
- Medical Insurance with signification premium contribution by ANB, with Wellness Plan Support*
- Dental Insurance with significant premium contribution by ANB*
- Additional Insurance options to meet personal needs: Vision, Pet Care, Critical Illness, Accident, Income, and Identity Theft Protection*
- Tuition Reimbursement*
- Gym Membership Reimbursement*
- Discounts on Banking and Financial needs
*Eligibility Criteria Apply
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)