Job Description
The UDAAP Analyst supports the Responsible Banking group in identifying, monitoring, and assessing Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) risk across the organization. This role is responsible for assisting with investigative reviews, root cause and issue analysis, issue remediation efforts, control testing, compliance marketing reviews, and risk assessment activities under the direction of the Director of Responsible Banking and Chief Compliance Officer.
Essential Functions
• Assist in analyzing UDAAP compliance risks across business units
• Support identification of control gaps and potential compliance weaknesses
• Perform basic testing of controls designed to mitigate UDAAP and compliance risk
• Assist in analyzing UDAAP compliance risks across business units
• Promptly answer questions and provide guidance to business units
• Assist in root cause analysis of complaints and management self-identified issues
• Assist in issue remediation efforts
• Support ongoing investigative reviews and document findings
• Escalate potential risks or concerns to senior Compliance staff as appropriate
• Gather and submit data for compliance reports/reviews and audits
• Recommend improvements to procedures
• Attend compliance training events to stay current with regulations
• Identify risk and test controls designed to minimize risks
• Communicate guidance to appropriate business units
• Assist in preparing for federal compliance examinations and internal audits
• Demonstrate strong attention to detail by proactively monitoring workflows, spotting irregularities, and ensuring timely resolution
• Utilize strong organizational skills to coordinate workflows, maintain accurate records, and support seamless team operations
• Leverage data, reporting, and technology, including AI, to enhance oversight activities
Additional Essential Functions
• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
• Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
• Work as part of a team
• Work with on-site equipment
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 the essential functions.
Education
Bachelor's Degree Business, economics or related field
Work Experience
5 - 6 years General banking experience
Compliance related experience
Additional Knowledge, Skills and Abilities
• Ability to establish effective working relationships among team members and participate in solving problems and making decisions
• Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written
• Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information
• Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information
• Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas
• Knowledge of all governmental/federal/state regulations including but not limited to CRA, HMDA, Flood Military Act and Adverse loan compliance regulations
• Excellent written and oral communication skills
• Strong presentation skills
• Logically and operationally minded with special attention to risk management
• Ability to work in a fast paced environment
• Ability to prioritize a complex work load, adapt to interruption and meet deadlines
Licenses and Certifications
CRCM Certificate or professional equivalent, or willingness to achieve Upon Hire
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Skills Required
- Bachelor’s degree in business, economics, or a related field
- 5–6 years of general banking experience
- Compliance-related experience
- Knowledge of federal and state banking regulations, including CRA, HMDA, Flood, Military Act, and adverse loan compliance regulations
- Excellent written and oral communication skills
- Strong presentation skills
- Risk management and analytical judgment skills
- Ability to prioritize complex workloads, adapt to interruptions, and meet deadlines
- CRCM certificate or professional equivalent, or willingness to achieve certification upon hire
What We Do
Northwest Bank is a privately held community bank focused on serving the specific needs of businesses in Washington, Oregon, Idaho and Utah. Our experienced bankers deliver customized financial solutions and exceptional customer service. We do that by getting to know you, your business and your aspirations, first. Then we create a plan that will work, and stay with you every step of the way. We see our relationship with you as a partnership, the way banking should be. Trust matters when picking your financial partner. Northwest Bank is rated as one of the best capitalized banks in the nation. We have earned 5-Star “Superior” ratings from both BauerFinancial® and Bankrate.com’s Safe and Sound® ratings service. Founded in 2008, we have offices in Boise, Idaho; Portland, Oregon; Coeur d'Alene, Idaho; Seattle, Washington; and Salt Lake City, Utah metropolitan markets. Northwest Bank: Experienced Bankers. Exceptional Service. Creative Solutions. Member FDIC Equal Housing Lender
