Lending Compliance Officer

About Baker Boyer: 

Baker Boyer is the oldest independently owned community bank in the Pacific Northwest.  We are Eastern Washington’s trusted financial advisor, serving the Walla Walla valley, Kennewick and Yakima communities, providing wealth management as well as personal and business banking services.    

About the Lending Compliance Officer role:

This important role operates independently, and as part of the Compliance Committee to facilitate high quality and value-added tasks and projects to ensure regulatory compliance issues are managed and addressed; adherence to state and federal regulations; and cost-effective management of the bank’s liability and risk exposure.  This position is a high visible position, often collaborating and working with employees across the bank to improve bank practices, policies and workflow.  Strong communication, analytical skills, prioritization and self-motivation are key skills for this position, as is transferrable experience that demonstrates the ability to quickly learn and to implement complex concepts. Some prior audit or compliance experience and/or banking/finance experience preferred but not required.  

Key Responsibilities

• Ensure that the bank is following state and federal regulations within acceptable risk tolerances established by the Compliance Committee and Board.
  • Work with compliance peers to manage the Regulatory Risk of the bank.
  • Act as a Compliance resource and consultant to all employees.
  • Act as a contributing member of the Compliance Committee and department.
    • Ensure compliance policies are reviewed and submitted with accompanying reports annually to Compliance Committee, Executive Committee and Board.
    • Track regulatory changes to ensure they are addressed by compliance department and implemented with 1st LOD.
    • Collaborate with other department members in setting department related standards, polices, procedures, etc.
    • Prepare reports for senior management, the Board, OCC, internal and external auditors.  Assist in coordinating bank’s efforts to prepare, gather and present information during Compliance exams.
• Lead and assist in the coordination of projects and monitoring of ongoing activities.
  • Assist periodic and annual Compliance Training
  • Carry out necessary tasks related to the periodic review of loan files, and any other files / documentation in need of review.
  • Assume additional responsibilities as requested.
• Complete assigned procedures, responsibilities and projects, after initial training and instruction, with minimal supervision.
  • Document work performed for each step with appropriate work papers.
  • Assist in preparing the final report.  Includes input compliance findings and management response, and when appropriate, set up pending.  Communicate with the appropriate staff and line management.
  • Ability to communicate orally and in writing in a manner that is of consistent high-quality content, style, clear and timely.
  • Update the programs after each review.
• Self-motivated to pursue and progress in professional development: 
  • Utilize self-training resources (books, periodicals, memberships in professional groups and so forth) and participate in recommended courses.
  • Attend appropriate trainings, seminars or conferences to develop professional skills this could be in state or out of state).
• Responsible for staying abreast of job specific software enhancements, maintaining a good working knowledge of the programs that impact responsibilities.

RESPONSIBLE FOR CRA & HMDA:

• Responsible for maintaining CRA & HMDA policies and procedures.
• Responsible for HMDA scrubs, CRA activity monitoring and reporting processes, tools and analysis. 
• Lead CRA Committee.  Keep management and board informed of CRA program status. Work with management so that activities meet the spirit of the regulations.
• SME for 1st LOD and other staff. Provide training.
• Responsible for HMDA government submissions.

Education and Experience:

Graduation from a four-year college or university.  Minimum three years’ experience in auditing or compliance, preferably in a banking or finance environment; or any equivalent combination of education, experience and training that provides the required knowledge and abilities to do the job.  Demonstration of relevant skills and experience required to perform job may be considered in lieu of education or auditing / compliance experience minimums. 

Knowledge and Skills 

• Strong written and verbal communication skills.  Ability to communicate with all levels of employees in a manner that is of high quality, content, style and clarity.
• Proactively builds and maintains positive relationships by portraying an approachable and an open-minded outlook
• Proactively build relationships across departments; work to understand their workflow, processes and the impact of changes/suggestions. 
• Demonstrated ability to work independently and with limited direction; willingness to take initiative.
• Ability to organize and prioritize work; possesses strong time management skills
• Exceptional attention to detail and accuracy with the ability to handle multiple tasks and priorities
• Familiar with and knowledgeable of most departments, systems and corporate policies, or able to learn quickly.
• Knowledge of/or ability to easily learn banking policies, procedures and laws and regulations governing the bank. 
• Ability to apply logic and reasoning when carrying out instructions furnished in written or oral form.
• Is a team player, willing to help out as needed and keeps team informed of status and needs.
• Ability to proficiently use and interpret data and processes provided by Compliance / Audit tools
• Demonstrated technical capacity.  Strong knowledge and ability to use Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) with proficiency and accuracy. Experience with audit software such as IBM Query, TeamMate Audit Software, or other comparable software desired but not required.   

Physical Demands/Conditions Requirements:

The job tasks and 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 as appropriate to enable individuals with qualified disabilities to perform the essential functions. 

Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Baker Boyer believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. This position description is designed to outline primary duties, qualifications and job scope, but not limit our employees nor the organization to adjust the work identified. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of the company. 

Baker Boyer is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, disability or protected veteran status.