Data Integrity Analyst - Lending

Summary: The Data Integrity Analyst is responsible for assisting in administering and maintaining the Lending Systems data and documentation extracts including validation of CECL, CRA and Call Report data file extracts and reports used by the department for portfolio monitoring. The Data Integrity Analyst is also responsible for validating conformity and adherence with the Equal Credit Opportunity Act (ECOA), Small Business Lending Rule under Reg B, Unfair Deceptive or Abusive Acts Practices (UDAAP), Fair Lending, Home Mortgage Disclosure Act (HMDA), and other applicable federal and state laws and regulations.

Salary Range: The salary range budgeted for this position is $78,200/yr to $100,000/yr and represents the Company's good faith minimum and maximum range for this role at the time of posting. The compensation offered to a candidate may vary depending on several factors, including a candidate's qualifications, skills, competencies, experience, and location.

The Company also offers various benefits, including medical, dental, vision, and a 401(K) match. Other rewards may include annual performance-based bonuses and wellness days.

Applicants must have current work authorization when accepting a First Foundation Inc. position. Currently, we cannot sponsor or take over the sponsorship of an Employment Visa.

Duties and Responsibilities:

• Employee is responsible for adherence to all compliance programs and the completion of all required and assigned training by established due dates.
• Employee is responsible for understanding their duties and responsibilities as it relates to the Bank Secrecy Act, ("BSA"), Anti-Money Laundering Act ("AML"), and Office of Foreign Assets Control Regulations ("OFAC"). This includes understanding any responsibilities outlined under the Bank's BSA/ OFAC Program, participating in any required training, and promptly complying with all reporting requirements.
• Understands and complies with the requirements of all laws and regulations applicable to the position.
• Perform detailed validation of data file extracts that may include CECL, CRA and Call Reports.
• Works with data providers to ensure quality data and timely monthly processes and extracts; researches and resolves any exceptions identified within established timeframes.
• Assist the Commercial Lending Units in the preparation and updating of Procedures and Guidelines.
• Manages Portfolio Monitoring Procedures and Processes
• Understands and stays abreast of the ECOA, Small Business Lending Rule, UDAAP, Fair Lending, HMDA, and related regulatory requirements to ensure compliance with policies and procedures, data reporting, and to identify gaps in controls.
• Conduct monthly application second reviews on all non-originated loans.
• Assists with Lending Risk Assessments.
• Maintains accurate and up-to-date records of monitoring results for further review by Auditors, Examiners, Risk Managers, and Compliance Officers.
• Assist as required with internal audits and regulatory exams.
• Participates in any additional special projects or other assignments, as needed, to support Lending.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Education and/or Experience:

• 5+ years of experience in banking or other financial services with knowledge of regulatory lending compliance for the commercial lending including small business lending.
• Strong understanding and expertise of applicable fair lending and financial consumer protection laws and regulations (HMDA/Reg C, ECOA/Reg B, UDAAP, and related applicable state laws) and regulatory trends.
• Experience using lending analysis software, Baker Hill's NextGen, Encompass, and Fiserv is strongly preferred, but not required.
• Compliance knowledge in commercial lending.
• Must have solid knowledge and/or experience with financial data and the ability to navigate across multiple systems to leverage and integrate related information.

Skills

• Strong Microsoft Excel, Outlook, Word, and PowerPoint skills.
• Highly organized and proactive; ability to work independently as well as collaborate effectively with other groups and teams in a fast-paced environment. Must be able to manage and thrive while addressing multiple priorities and initiatives.
• Ability to create and deliver effective presentations; and must provide reliable information reporting and analysis on a consistent and timely basis.

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 essential functions.

While performing the duties of this job, the employee is regularly required to sit for long periods; use hands to operate controls on a computer; reach with hands and arms for phone and computer work; and communicate on the phone wearing a headset for extended periods. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. This job description is subject to change at any time.

First Foundation is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.