Senior Compliance Analyst - Northpointe Bank

The POWER of a CAREER! Northpointe Bank is seeking a detail oriented, customer service minded individual to join our team as a Senior Compliance Analyst. This position requires an individual who has the desire to make a difference within the organization. An exceptional ability to grasp new concepts and learn while providing excellent service is critical for this position.

If you have been looking for an opportunity in the banking/mortgage industry, have the desire to work hard, are dedicated to your individual success, and take pride in the achievement and growth within a team, then we want to hear from you!!!

The Senior Compliance Analyst is responsible for verifying compliance with lending, banking and servicing policies, standard operating procedures, federal and state consumer financial laws and regulations and performing duties related to audit and testing functions in accordance with the Bank’s Compliance Management System - (CMS). This position requires critical thinking in the analysis of data to identify the sufficiency of internal controls. The Senior Compliance Analyst will be expected to work collaboratively with business stakeholders, including residential mortgage origination and servicing, and deposit operations, to effectuate and implement required compliance changes. The position will include researching and analyzing policies, standard operating procedures, and training materials to ensure compliance with applicable federal and state consumer financial laws and regulations. The objective of the compliance function is to ensure ongoing compliance with regulatory requirements, thereby reducing the level of exposure of loss to the organization. Position requires an individual with an ability to create, interpret, and apply policy, make decisions regarding what the organization will do in relation to the scope of the department, and exercise discretion about significant matters.

Responsibilities:

• Audit the business lines through loan level testing and monitoring activities including but not limited to:
  • ECOA, FCRA, Fair Lending, UDAAP;
  • TISA, TILA, TRID, Cures;
  • HMDA, CRA, Bank Branch Compliance;
  • RESPA, Escrow, Servicing Transfer, Loss Mitigation, RESPA Section 8;
  • BSA/AML, Fraud Prevention;
  • Flood, HPA;
  • Social Media, Marketing, and Compliance Training.
• Assist Line-of-Business (LOB) management in implementing solutions to compliance deficiencies.
• Monitor and investigate suspicious activity related to mortgage and depository accounts.
• Coordinate and prepare effective and efficient monthly reporting to management concerning the performance and status of the compliance management system.
• Assist with the maintenance of the Change Management system of record through tracking applicable legislative and agency updates and initiatives affecting the Bank’s lines of business.
• Assist management in the coordination of and responding to external compliance audits and reviews, including the accumulation of requested information, on-site activities, and the reporting process.
• To assist and advise Residential Lending, Loan Servicing and Banking on applicable compliance requirements, including current and upcoming regulatory changes. 
• Support the Compliance Help Desk in answering compliance related questions and serve as a resource to managers and personnel concerning regulatory compliance issues.
• Assist upper management with responses to written consumer complaints.
• Maintain industry knowledge by attending appropriate educational workshops/classes; reviewing related publications; participating in professional societies/activities; establishing networks
• Maintain active participation in bank compliance forums, including the Michigan Bankers Association, Financial Institutions Compliance Cooperative, West Michigan Compliance Roundtable.
• Meet established standards and guidelines with regard to compliance, job knowledge, quality, attendance, efficiency, initiative, customer service, and overall performance
• Maintain customer confidence by providing ongoing quality service and keeping all files and information confidential.
• Provide leadership, training, and development to assigned staff and oversee the effective operation of assigned area including evaluating results
• Participate in bank management activities as a leader/member of project teams as assigned
• Direct and supervise assigned personnel, as applicable
• Maintain up-to-date knowledge and compliance with internal policies and procedures. Understand and ensure compliance with laws, rules, and regulations affecting our institution

Requirements:

• BS/BA Degree or the equivalent combination of education, certificate and experience.
• Five years of experience in the financial institutions industry, with a working knowledge of mortgage regulatory compliance requirements, quality assurance, and mortgage operations.
• Experienced understanding of consumer financial protection statutes and regulations.   
• Ability to work independently and perform problem solving and decision making under minimal supervision
• Proven project management skills with demonstrated success in handling multiple high priority projects
• Strong communication skills (verbal, written, and presentation) with the ability to interact professionally with employees, customers, directors, vendors, and the community at large
• Previous leadership and management skills preferred
• Proficient computer skills (i.e., Microsoft Word, Excel, Outlook, any other mortgage/banking software, etc.)
• Experience in the preparation of technical reports
• Effective personnel and project management, organizational, problem-solving, and analytical skills.  Previous leadership, management, and training experience with a team of three or more individuals a plus.  Ability to plan, organize, and direct department functions
• Ability to demonstrate a positive can-do attitude and sound judgment including the ability to develop creative solutions to challenging problems
• Ability to develop strong working relationships and perform effectively within a team-oriented environment
• Effective problem resolution and decision making skills; record of making sound business decisions.    Possess a sense of anticipation and foresight to avoid problems and/or difficult situations
• Must be a self-starter with the ability to work under tight deadlines.  The ability to work with minimal supervision while obtaining superior results
• Any equivalent combination of education, experience, and training that provides the required knowledge, skills, and abilities

Our Hiring Philosophy:
Northpointe Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy.

It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis.

Benefit Information:

• Medical
• Dental
• Vision
• Life, LTD, & AD&D
• Dependent Care Spending Plan (DCSA)
• Employer Stock Ownership Plan with 401(k) feature and company match
• Complimentary Banking Services
• Tuition Assistance

AA - EOE