consumer lending manager

Arvest Bank

<div><p>Pay is based on a number of factors including the successful candidate&rsquo;s job-related knowledge and skills, qualifications, and prior experience. Arvest offers a comprehensive suite of benefits, including a full range of health and life, financial, and wellness benefits. For more information about benefits, please visit www.arvest.com/careers/benefits .<br>
<br>
</p><p><b>Position is based at 1930 Fayetteville Road, Van Buren, AR 72956. However, incumbent will be required to travel to Van Buren Cloverleaf branch located at 3015 Alma Highway, in order to meet business needs.
</b></p><p><b>Position requires flexible availability to work Monday through Friday 7:45 AM to 6:15 PM and occasional Saturdays 8:30 AM to 1:00 PM.
</b></p><p></p><p><b>SUMMARY: </b>This position is responsible for the overall sales, production, and profitability of two or more full-service retail branches. The Regional Branch Sales Manager must deliver strong sales leadership. Ensure the execution of superior sales, quality and friendly customer service behaviors by the entire staff. Exceed sales goals while maintaining an operationally efficient and compliant branch. The Regional Branch Sales Manager is also responsible for providing consumer lending services to customers.
</p><p><b>ESSENTIAL DUTIES AND RESPONSIBILITIES </b>include the following. Other duties may be assigned.
</p><div><ul><li>Lead multiple full-service branch teams to assure top quality sales and service of current and prospective branch customers. Implement strategies to achieve sales benchmarks and objectives.
</li></ul><ul><li>Coach and develop the sales and service skills of branch associates.
</li></ul><ul><li>Manage the activities of two or more full-service local bank branches.Directly supervise multiple associates.Recommend and maintain staffing levels to ensure superior delivery of customer service.Provide prompt and honest feedback to associates regarding performance of assigned duties.
</li></ul><ul><li>Identify opportunities to sell consumer loans. Accept consumer loan applications and facilitate loan closings.Must work effectively with centralized underwriting department.
</li></ul><ul><li>Ensure in-depth knowledge of Arvest products and services among all staff members.This includes digital services and delivery options. Support customer usage of products and services that will provide the services they need in the manner most convenient for them. Maintain in-depth understanding of competitor products, practices, facilities and processes in order to ensure successful sales of Arvest bank products.
</li></ul><ul><li>Oversee branch activities associated with the accurate handling of customer transactions and adherence to compliance and legal regulations, both internal and external.
</li></ul><ul><li>Work closely with various areas of Retail Bank Operations to ensure standard procedures and practices are followed and maintained.
</li></ul><ul><li>Oversee all levels of branch security in accordance with organizational policies and procedures and federal/state regulations.Use sound judgment in the application of bank standards, policies and procedures regarding customers.
</li></ul><ul><li>Work directly with customers and/or associates to handle internal and external complaints and objections.
</li></ul><ul><li>Supervise and/or perform maintenance of building and equipment to maintain clean, neat, and orderly appearance of branch and to include maintaining proper inventory and storage of supplies.
</li></ul><ul><li>Attend various weekly and monthly meetings and communicate appropriately.
</li></ul><ul><li>Lead business development activities in the branch community including calls to prospective and existing customers, acceptance of small business loan applications and referrals to other product specialists as needed.
</li></ul><ul><li>Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.
</li></ul></div><p><b>TEAM ACCOUNTABILITIES:
</b></p><ul><li>Cross-sell other services of the bank.
</li><li>Support and uphold the Arvest Mission Statement.
</li><li>Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
</li><li>Maintain a high level of cooperation and rapport with all associates.
</li><li>Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the bank's overall operation.
</li><li>Promote professionalism at all times.
</li><li>Maintain involvement in community affairs to foster and promote the proper bank image at all times.
</li></ul><p><b>SUPERVISORY RESPONSIBILITIES:
</b></p><p>Supervise multiple associates within the branch location. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Ensure direct reports have completed required compliance training and are adhering to all internal procedures and controls as it relates to bank policy, laws, regulations and Arvest&rsquo;s BSA/AML Program. Responsibilities include interviewing, hiring, appraising performance, rewarding, and disciplining associates. The incumbent has the authority and the appropriate influence to make recommendations regarding hiring, firing, advancement, promotion, or any other change of status of other associates within the guidelines of the bank&rsquo;s procedures and guidelines for such change of status events. The incumbent provides training, planning, assigning, and directing work assignments and schedules; addressing complaints and resolving problems.<br>
</p><br>
<p>Responsibilities:<br>
<br>
</p><p><b>QUALIFICATION REQUIREMENTS:
</b></p><p>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 qualified individuals with disabilities to perform the essential functions.
</p><p><b>EDUCATION and/or EXPERIENCE:
</b></p><ul><li>Associates degree or equivalent related work experience required.
</li><li>2 years&rsquo; experience in a retail banking environment or equivalent related work experience required.
</li><li>2 years management/supervisory experience required.
</li><li>Current NMLS SAFE Act Registration or the ability to be registered within 30 days required.
</li><li>Proven track record of sales and successful coaching of a sales team required.
</li><li>Successful completion of Arvest Supervisor Training preferred.
</li><li>Successful completion of Arvest courses in FSR Training, Fundamentals of Consumer Lending and CBS/Signature Training preferred.
</li><li>Arvest experience preferred.
</li><li>Bachelor&rsquo;s degree preferred.
</li></ul><p><b>OTHER SKILLS and ABILITIES:
</b></p><ul><li>Must be able to arrive at work on time, work on site and have regular work attendance
</li><li>Must be able to occasionally work outside of normal business hours
</li><li>Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
</li><li>Must be able to provide cordial customer service regardless of customer personality, presence or communication style
</li><li>Must be able to perform several tasks at once
</li><li>Must be able to work in a stressful atmosphere
</li><li>Must be able to rotate job tasks
</li><li>Must be able to greet others cordially
</li><li>Must be able to coordinate multiple and changing priorities
</li><li>Must be able to verbally communicate with all other associates
</li><li>Must be able to operate telephone, copier, scanner and FAX machines
</li><li>Must be able to move from department to department or bank to bank to attend meetings
</li><li>Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation
</li></ul><p><b>PHYSICAL DEMANDS:
</b></p><p>The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
</p><p>While performing the duties of this job, the associate is regularly required to stand, walk, and sit and to talk or hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.
</p><p>The associate must occasionally lift and/or move up to 52 pounds, may also include lifting overhead.
</p><p>Specific vision abilities required by this job include close, distance and color vision, and the ability to adjust focus.
</p><p>The associate must be able to travel occasionally by themselves within the U.S., including overnight, and via automobile and air.
</p><p><b>WORK ENVIRONMENT:
</b></p><p>The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
</p><p>The noise level in the work environment is usually moderate.<br>
</p><br>
<p><b>Grade 15
</b></p><p><b>Pay Range: </b>$62500 - $78125 per year</p></div>

Regional Branch Sales Manager

MASS BAY CREDIT UNION

<div><h2 class="jobSectionHeader"><b>About Us</b></h2><p>
Celebrating over 85 years in business, Mass Bay Credit Union has over $300M in assets, continues to grow, and is proud to be 19,000 members strong! We've recently expanded our field of membership which allows us to serve members in a much broader group of communities. In addition, as a member of the shared branching network, we provide our members with nation-wide service at thousands of credit union locations throughout the country.</p><p>
Interested in bringing your financial skills to a growth credit union where your input is valued? Then we would very much like to chat with you! Send us your resume in complete confidence.</p><p>
Mass Bay Credit Union is proud to be an Equal Opportunity Employer.</p><p></p><p><b><br>
JOB TITLE</b> : Manager of Loan Underwriting</p><p><b>
REPORTS TO</b> : AVP of Lending</p><p><b>
STATUS</b> : Full time; exempt</p><p></p><h2 class="jobSectionHeader"><b><br>
Job Purpose</b></h2><p>
To evaluate, analyze, and underwrite consumer and home equity loan applications in accordance with credit union lending policies, regulatory requirements, and sound underwriting practices. This role supports the credit union's mission by making timely, accurate lending decisions that balance the member experience, portfolio quality, and risk management while fostering strong member relationships along with the members financial well-being.</p><h2 class="jobSectionHeader"><b><br>
</b></h2><h2 class="jobSectionHeader"><b>
Duties and Responsibilities</b></h2><ul><li>
Review credit applications for various types of consumer loans, including Home Equity Products, and analyze applicable information (credit reports, collateral valuation, legal documents, etc.) to render credit decisions in accordance with lending policies.</li><li>
Use discretion and independent judgment for credit decisions not conforming to lending policies and consult with the Chief Lending Officer or AVP of Consumer Lending.</li><li>
Consistently demonstrates leadership in lending operations, member service, pipeline management, and sales.</li><li>
Proactively seek cross-selling opportunities for each credit applicant.
</li><li>Identify and assist in the development of new loan products.</li><li>
Establish clear expectations for productivity, quality, member service, and turnaround times.</li><li>
Identify performance gaps and implement coaching, training, and process improvements to enhance results.</li><li>
Promote a high performance culture focused on accountability, collaboration, member experience and risk management.</li><li>
Respond to and resolve consumer and home equity loan clerks, as well as retail staff loan inquiries in a timely manner and facilitate assistance from other staff as appropriate.
</li><li>Constantly develop greater knowledge in all areas of credit union operations.</li><li>
Maintain an in-depth knowledge of the Credit Unions policies and procedures as well as regulations and compliance, both state and federal.</li><li>
Required to attend or participate in necessary compliance training.
</li><li>Responsible for maintaining and updating the HMDA LAR on a monthly and quarterly basis.</li><li>
Ensure underwriting decisions are consistent with credit policy, credit union guidelines, regulatory requirements , and risk appetite.</li><li>
Assists with Quality Control reviews of loan files.
</li><li>Participate in activities that help reinforce our PICK US values and support a positive internal culture.</li><li>
Assist the Chief Lending Officer and AVP of Consumer Lending in performing other duties and responsibilities as needed to ensure organizational success.</li><li>
Exercise discretion and independent judgment with respect to all matters of lending.</li><li>
Responsible for adherence to anti-money laundering duties and the Bank Secrecy Act laws.</li><li>
Represent the Credit Union in a professional and friendly manner, both internally and within the community.</li><li>
Assumes other duties, responsibilities, special assignments, and training as necessary or directed.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Qualifications</b></h2><ul><li>
A minimum of 3 to 5 years of similar or related experience. Credit Union experience preferred.
</li><li>Knowledge of lending compliance.</li><li>
Strong Communication, both oral and written skills.</li><li>
Ability to become a Mortgage Loan Originator with the Nationwide Mortgage Licensing System &amp; Registry (NMLS).</li><li>
Computer skills mandatory.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Working Conditions</b></h2><p>
This position requires a flexible schedule with limited evening and weekend duties, traveling in Credit Union's service area, attending events, and working at times with challenging circumstances and challenging members.</p><p></p><h2 class="jobSectionHeader"><b><br>
Physical Requirements</b></h2><p>
While performing the essential duties of the position, the employee would be regularly required to stand, sit, walk, stoop, kneel, talk, and hear. Vision requirements include close vision and the ability to focus. The nature of this position requires physical mobility and the ability to occasionally lift and/or move a maximum of 25 pounds.</p></div>

Manager of Loan Underwriting

Malaa

<div><h3 class="jobSectionHeader"><b>Description</b></h3><div><b><br>
About CreditLine:</b></div><div>
CreditLine is an innovative micro-lending company dedicated to transforming access to credit by leveraging cutting-edge artificial intelligence (AI) and machine learning (ML). Our mission is to bridge the gap in financial inclusion by serving individuals employed in the private sector and others traditionally underserved by conventional banking institutions. At CreditLine, we believe every borrower is unique. Our AI-driven platform analyzes comprehensive behavioral data beyond traditional financial metrics, enabling us to deliver personalized credit solutions tailored specifically to each customer&rsquo;s financial circumstances and risk profile. This technology-driven approach allows us to assess risk more fairly and accurately, ensuring individuals receive the credit they deserve at terms aligned precisely with their needs. By combining advanced data science with a deep understanding of market gaps, CreditLine empowers people to unlock their financial potential, fostering greater economic opportunity and financial resilience for everyone.</div><div></div><div><b><br>
Job Summary:</b></div><div>
The Credit Risk Manager owns CreditLine&rsquo;s credit risk process and strategy for consumer financing and serves as the company&rsquo;s subject-matter expert on retail credit risk. The role is responsible for reviewing credit applications from a credit risk perspective including repayment history, creditworthiness, and behavioral indicators leading and supporting the team of credit analysts to ensure consistent, high-quality decision-making, and representing CreditLine on credit risk matters in front of investors, creditors, regulators, and other third parties. The manager also prepares board- and executive-level reports covering portfolio performance, origination quality, and credit risk indicators to support sound decision-making across the organization.</div><div></div><h3 class="jobSectionHeader"><b><br>
Roles and Responsibilities:</b></h3><br>
<ul>
<li>
 Own the end-to-end credit risk process and strategy for CreditLine&rsquo;s consumer financing business, and act as the company&rsquo;s subject-matter expert on retail credit risk.</li>
<li>Design, implement, and continuously enhance credit risk policies, procedures, and limits governing the issuance, monitoring, and recovery of credit across consumer financing products.</li>
<li> Develop and maintain the credit risk appetite framework for the retail portfolio, including portfolio limits, concentration thresholds, exception protocols, and approval authority matrices.</li>
<li>Review credit applications from a credit risk perspective including repayment history, creditworthiness, debt burden, and behavioral indicators providing the final risk decision</li>
<li> Lead, coach, and support the team of credit analysts, setting standards for credit assessments, ensuring consistent application of credit policy, and developing the team&rsquo;s technical capabilities.</li>
<li> Represent CreditLine on credit risk matters in front of investors, creditors, rating agencies, regulators, auditors, and other third parties, providing clear and credible articulation of the company&rsquo;s credit risk posture.</li>
<li> Prepare board-level and executive-level reports covering portfolio performance, origination quality, vintage trends, delinquency and roll rates, concentration shifts, and early-warning indicators of credit deterioration.</li>
<li> Provide the credit risk department&rsquo;s scope, data, and inputs to the CFO to support the Expected Credit Loss (ECL) and IFRS 9 provisioning process owned by Finance.</li>
<li> Drive enhancements to the credit risk engine, scoring methodologies, and decisioning logic to maintain a best-practice consumer financing approach aligned with the retail customer base.</li>
<li>Collaborate with product, operations, technology, and collections teams to ensure credit strategies align with business goals and to streamline the end-to-end consumer credit decisioning process.</li>
<li> Lead initiatives to enhance the efficiency and automation of credit risk evaluation using advanced analytics, AI, and data-driven insights.</li>
<li> Ensure compliance with SAMA&rsquo;s Consumer Finance Regulations, Responsible Lending Principles, and other applicable credit-related guidelines and reporting requirements.</li>
<li> Foster a strong credit risk culture across the organization through training, awareness sessions, and ongoing engagement with business stakeholders.</li>
<li> Support different teams with the existing counter fraud and AML efforts.</li></ul><br>
<h3 class="jobSectionHeader"><b>
Skills, Knowledge and Expertise</b></h3><br>
<ul>
<li>
Bachelor's degree in Finance, Economics, Business Administration, or a related field.</li>
<li> 7+ years of experience in credit risk management, consumer lending, fintech, banking, or financial services.</li>
<li> Strong analytical and problem-solving skills with the ability to interpret complex financial and behavioral data.</li></ul><br>
<h3 class="jobSectionHeader"><b>
About Malaa</b></h3><div>
Malaa is the leading wealth management tool in the Kingdom, addressing the gap in the financial products offerings and advancing cutting-edge technology adoption by offering data-driven financial products and services that empower individuals and organizations for better financial decisions. Established in November 2021, Malaa aims to be the go-to for financial decision-making, whether it&rsquo;s for saving, lending, or investing. Malaa is regulated by the Saudi Central Bank (SAMA) for Open Banking activities and the Capital Market Authority for Robo-advisory and asset management activities.</div><div></div><div><br>
Malaa is spearheading Open Banking in the Kingdom as the first Open Banking company to officially launch its services for its users and the first company to offer behavioral risk profiling for its lending partners, leveraging Open Banking data with exceptional engineering and data science capabilities.</div><div>
<br>
For more information, visit: www.malaa.tech</div></div>

Credit Risk Manager

Wheatland Bank

<div>About the Role:
<div>
The Consumer Loan Processor is responsible for gathering, analyzing and interpreting supporting information for consumer loan applications. The position prepares Consumer loans for Approval, Counteroffers, Denials. This position will ensure loans are compliant with loan policy, processes are followed according to procedures and exceptions are maintained within our risk framework. This position supports and adheres to department lending policies and operational procedures consistent with overall company policies.</div><div></div><div><b><br>
The pay range for this position is: $20.68 to $31.01 per hour.</b></div><h2 class="jobSectionHeader"><b>
PRINCIPAL RESPO</b><b>NSIBLITES AND DUTIES:</b></h2><h2 class="jobSectionHeader"><b>
Consumer Loans:</b></h2><ul><li>
Responsible for processing all new applications in a timely manner, including ordering and reviewing flood insurance, title insurance, hazard insurance, and preparing application for document preparation.</li><li>
Gather, analyze and interpret consumer loan applications and/or credit information for existing and prospective banking customers in order to process necessary file documentation.</li><li>
Create monthly reports from automated consumer loan system and Excel.</li><li>
Order and review flood certifications, title policies and appraisal requests.
</li><li>Provide assistance in the training of bank personnel on Consumer Lending related issues.</li><li>
Preparation and tracking of Adverse Action letters</li><li>
Quality Control review of Adverse Action packages</li><li>
Prepare and track decisioned loan follow up letters</li><li>
Answer questions from branch personnel regarding all Consumer Loan products, features, benefits, rates, application status, appraisals, flood certifications and title policies.</li><li>
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.</li><li>
Must remain up to date on all governing Federal and State consumer regulations as they relate to Retail Lending.</li></ul><div><b>
ADDITIONAL RESPONSIBILITIES:</b></div><ul><li>
Adhere to Wheatland Bank Core Values</li><li>
Keep management informed of area activities and any significant problems</li><li>
Provide exceptional customer service to all customers, both internal and external.</li><li>
Represent Wheatland Bank in a Professional fashion to include; professional image, confidentiality, regular and consistent attendance, punctual.</li></ul><p></p><div><b><br>
POSITION CONTACT:</b></div><ul><li>
Frequent contact with the Consumer Operations Manager to receive guidance and coordinate work assignments.</li><li>
Frequent contact with customers and prospects.</li><li>
Contacts involve varied or complex situations which require tact, judgment, and the ability to develop solutions to problems.</li></ul><br>
<div></div>
About You:
<div><b>
QUALIFICATIONS:</b></div><ul><li>
High school diploma and/or equivalent experience in consumer or residential lending.</li><li>
2-4 years previous lending experience.</li><li>
2 years of experience in consumer lending focusing on policy and procedures recommended but not required.</li><li>
Requires a thorough understanding of all Consumer Loan Products including credit cards and knowledge of the regulations pertaining to interviewing an applicant and taking a credit application in person and/or over the telephone.</li></ul><div></div><div><b><br>
KNOWLEDGE, SKILL, ABILITY:</b></div><ul><li>
Must be self-driven, ambitious, and goal oriented, with strong analytical, underwriting, customer service, and sales skills.</li><li>
Will have strong leadership traits, work ethic, written and verbal communication and time management.</li><li>
Basic computer skills with proficiency in Microsoft Excel and Word.</li><li>
Must be accurate, punctual, dependable, and professional in appearance.</li><li>
Ability to relate to others and impart knowledge and information in a clear, precise manner is essential.</li><li>
Good math and organizational skills to ensure the maintenance of complete, accurate loan documentation and follow-up.</li><li>
Excellent communication skills both verbal and written to maintain a heavy volume of correspondence, personal contact, and telephone communication.</li><li>
Ability to maintain strict confidentiality</li><li>
Ability to multi-task and handle complex tasks efficiently.</li><li>
Strong analytical skills</li><li>
Strong attention to detail.</li><li>
Excellent customer service skills</li></ul><div></div><div><b><br>
WORK ENVIRONMENT:</b> Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.</div><div></div><div><b><br>
PHYSICAL DEMANDS:</b> 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 the essential functions.</div><div></div><p><br>
While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: bend and twist.</p><p>
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.</p><p>
Specific lifting abilities required by this job include: Up to 20 pounds.</p><p>
Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.</p>
What We Offer:
<div><b>
COMPENSATION &amp; BENEFITS:</b> Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details</div><div></div><div><b><i><br>
We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.</i></b></div><div></div><div><b><i><br>
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.</i></b></div><div></div><div><b><i><br>
No Recruiters or unsolicited agency referrals please.</i></b></div></div>

Consumer Loan Processor

Ocean Bank

<div>Overview:
<div>
Ocean Bank is looking for a relationship-driven <b>CRA Officer</b> to lead the bank&rsquo;s Community Reinvestment Act (CRA) compliance strategy and support a strong culture of regulatory excellence. This is an opportunity for a compliance professional who thrives in a dynamic banking environment and brings expertise in CRA, Fair Lending, HMDA, ECOA, and consumer compliance. The CRA Officer partners with leadership and cross-functional teams to monitor performance, strengthen controls, support examinations and audits, and help advance the bank&rsquo;s community development and compliance objectives. The ideal candidate is analytical, proactive, collaborative, and passionate about balancing regulatory compliance with meaningful community impact.</div><br>
<div></div>
Responsibilities:
<ul><li>Lead and monitor the bank&rsquo;s CRA program to support ongoing regulatory compliance and performance objectives.</li><li>
Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement.</li><li>
Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation.</li><li>
Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation.</li><li>
Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations.</li><li>
Assist in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments.</li><li>
Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.</li><li>
Review and respond to consumer complaints as needed.
</li><li>Review lending and other related advertising and marketing materials.</li><li>
Responsible for attending regulatory, professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance.</li><li>
Serve as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.</li></ul>
Qualifications:
<div><b>
Education/Experience:</b></div><div><b>
Requirements</b></div><ul><li>
Bachelor&rsquo;s degree in Business (Finance, Economics or Accounting).</li><li>
7+ years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration.</li><li>
3+ years in a supervisory or managerial position</li><li>
Extensive knowledge of consumer regulations, including but not limited to: Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Unfair and Deceptive Practices Act, Fair Housing Act, Fair Lending Interagency Statements, TRID, RESPA and TILA.</li><li>
Periodic travel may be required to the branches and to outside organizations.
</li></ul><p><i>Combination of education and experience will be considered.</i></p><div><br>
</div><div><b>Skills &amp; Competencies</b></div><ul><li>
Proven ability to develop and manage community programs.</li><li>
Experience with managing the CRA Compliance Examination process and proactively engaging with regulators.</li><li>
Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision.</li><li>
Experience with data analysis and reporting.</li><li>
Knowledge of banking products and services.</li><li>
Ability to understand and implement job related policies and procedures.
</li><li>Must have strong familiarity with regulatory banking environment and banking regulations.
</li><li>Must possess excellent verbal and written communication skills, interpersonal and organizational skills.</li><li>
Highly self-motivated, self-directed, and attentive to detail.</li><li>
Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).</li></ul><div></div><div><b><br>
Preferences</b></div><ul><li>
None</li></ul><div></div><div><b><br>
Licenses/Certifications</b></div><ul><li>
None</li></ul>
Job Posting Locations: In this role you can work remote from Miami, Florida, United States</div>

CRA Officer

SB Financial Group

<div><div><div><div><h1 class="jobSectionHeader"><b>About Us</b></h1><p>
Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth. Our approach recognizes contributions and effort, supports professional development, and provides meaningful financial rewards, including the opportunity to earn up to 30% of your annual wage in quarterly incentives. In addition, we offer opportunities to grow your career within a strong, stable, and expanding organization. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work this opportunity just might be for you.</p><h1 class="jobSectionHeader"><b>
Education</b></h1><p>
A high school diploma or equivalent required; a B.A. degree in related field of study preferred; specialized bank consumer lending education/training preferred.</p><h1 class="jobSectionHeader"><b>
Experience</b></h1><p>
A minimum of three (3) years of experience in accounting, lending, or related positions. Formal credit training program or certification preferred.</p><h1 class="jobSectionHeader"><b>
Preferred Skills</b></h1><div><ul><li>
Knowledge and experience working with a Retail Loan Origination System (LOS).</li><li>
Proficient reading, writing, grammar, and mathematics skills.</li><li>
Proficient interpersonal relations and communicative skills.</li><li>
Knowledge of current loan servicing procedures, lending laws, and regulations.</li><li>
Sound judgment and risk assessment.</li><li>
Moderate computer skills.</li></ul></div><h1 class="jobSectionHeader"><b>
Role and Responsibilities</b></h1><p>
Responsible for performing administrative and underwriting duties to support the consumer lending function; achieving goals as established in the bank&rsquo;s business objectives; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the consumer loan function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports.</p><p><b>
Essential Duties</b></p><p>
Performs administrative and underwriting duties to support the consumer lending function of which the following are illustrative:</p><div><ul><li>
Evaluates consumer loan requests<ul><li>
Auto Loans, Credit Cards, Home Equity, Personal Loans, and Recreational Vehicles</li><li>
Check for completeness and accuracy</li><li>
Verify personal, employment, and financial information with confirmation through use of pay stubs, tax returns, or bank statements and compare income against loan requirements and internal guidelines</li><li>
Ensure required documentation has been provided</li></ul></li><li>
Completes credit risk assessment<ul><li>
Evaluate credit reports and identify any risk indicators</li><li>
Assess debt-to-income (DTI) ratios and repayment capacity</li><li>
Review collateral valuations and general loan quality.</li></ul></li><li>
Apply lending policies and guidelines<ul><li>
Ensure loan decisions align with risk tolerance thresholds, product guidelines, and follow regulatory compliance</li></ul></li><li>
Approves or denies consumer loans based on consumer loan standards.</li><li>
Use automated underwriting systems<ul><li>
Work within LOS to review system-generated offers and override if needed.</li><li>
Input data and ensure accuracy for automated models</li><li>
Recommend process improvements, system enhancements, automation, and workflow changes to increase efficiency and accuracy.</li><li>
Participates in testing and validation of system upgrades or new features</li></ul></li></ul></div><div><ul><li>
Communicate with stakeholders<ul><li>
Collaborate with loan officers, processors, and customer service to provide guidance, resolve issues, and support positive client experiences.</li><li>
Provide exceptional customer service and support cross-functional projects as needed.</li><li>
Suggest strategic and innovative strategies to achieve goals from the annual operating plan.</li></ul></li><li>
Fraud detection and due diligence<ul><li>
Identify inconsistencies or suspicious activity</li><li>
Flag potential fraud cases (fake income, identity issues)</li><li>
Escalate high-risk applications</li></ul></li><li>
Portfolio and performance monitoring<ul><li>
Prepares and analyzes reports on portfolio performance, delinquency trends, and loan quality to identify areas of improvement.</li><li>
Provides input on credit policy development and training initiatives to ensure consistent application of standards across consumer lending.</li></ul></li><li>
Documentation and audit readiness<ul><li>
Maintain clear, compliant records of decisions</li><li>
Ensure files meet audit and regulatory standards</li><li>
Document rationale for approval/denial decisions</li></ul></li><li>
Performs additional duties and responsibilities as directed by the Director of Consumer Lending</li><li>
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.</li><li>
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same.</li><li>
Responds to inquiries relating to his/her particular area, or to requests from customers, other personnel, etc., within give time frames and within established policy.</li></ul></div><h1 class="jobSectionHeader"><b>
Ancillary Duties</b></h1><div><ul><li>
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.</li><li>
Serve as backup to the Credit Department for tasks such as credit file maintenance, loan reviews, small business underwriting, risk rating updates, monitoring/tracking, and preparation of management reports.</li></ul></div><h1 class="jobSectionHeader"><b>
Physical Requirements</b></h1><div><ul><li>
Must be able to remain in a stationary position more than two-thirds of the time.</li><li>
The person in this position needs to occasionally move about inside the office to accomplish tasks.</li><li>
Frequently communicates with others to exchange information.</li><li>
Constantly moves wrists, hands, and/or fingers.</li><li>
Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.</li><li>
Sedentary work that primarily involves sitting/standing.</li></ul></div></div></div></div></div><p></p>

Consumer Loan Underwriter

Lloyds Technology Centre

<p></p><div><p><b>End Date</b></p>
Thursday 30 July 2026<p></p><p><b>
We Support Flexible Working &ndash; Click here for more information on flexible working options</b>
</p><p></p><p><b>Flexible Working Options</b><b>
</b></p>Hybrid Working<p></p><p><b>
Job Description Summary</b><b>
</b></p>About the Role:<br>
This is a Hyderabad‑based role within Lloyds Technology Centre (LTC). The Power Platform Developer will work as part of an India‑based team while supporting the delivery of solutions for UK Consumer Lending teams.<br>
Key structural points:<br>
<ul><li>You will be line‑managed entirely from India.</li><li>Your day‑to‑day tasks and priorities may be set by colleagues in the UK.</li><li>You remain part of the LTC organisational structure, not part of a UK team.</li></ul><br>
About the team:<br>
Join our dynamic Consumer Lending Automation Team, where we build unattended robotic processes for Consumer Lending COO and develop Power Platform solutions using Power Apps, Power Automate, AI, Chatbots, and more. You will play a pivotal role in designing, developing, and implementing solutions using Microsoft Power Platform tools including Power Apps, Power Automate, AI Builder, Copilot Studio, and Power BI. This involves creating custom applications, automation workflows, AI‑enabled processes, reports, dashboards, and digital enhancements while working as part of an India‑based team supporting UK Consumer Lending colleagues.<p></p><p><b>
Job Description</b><b>
</b></p><p>Experience: 4-7YRS</p><p>
Location: Hyderabad</p><p></p><p>
Your essential skills:</p><ul><li>
In depth Experience using Microsoft Power Platform tools (Power Apps, Power Automate, Power BI, AI Builder)</li><li>
An understanding of automation and what can be achieved with the use of Power Apps, Power Automate, Power BI, and AI Builder.</li><li>
Experience of process re design - can create clear and concise Process Maps and User Guides</li><li>
Strong analytical and problem-solving skills.</li><li>
Excellent communication skills and the ability to work cross-functionally.</li><li>
Self-motivated and proactive attitude towards learning new technologies and tools.</li></ul><p>
Your desirable skills:</p><ul><li>
Any qualification in computer science, Information Technology, or a related field, or equivalent experience.</li><li>
Basic understanding of coding languages (JavaScript, VBA, SQL, C#, or Python) preferred.</li><li>
Experience or knowledge of UI design standards and using tools such as Figma</li></ul><p><b>
Key responsibilities:</b></p><ul><li>
Crafting and developing custom applications, workflows, and automation processes using Power Apps and Power Automate.</li><li>
Collaborate with business analysts and end-users to collect requirements and translate them into functional solutions within Power Platform.</li><li>
Build visually engaging and insightful reports and dashboards using Power BI to provide valuable insights to partners.</li><li>
Develop autonomous Agents using Copilot Studio.</li><li>
Integrate Artificial Intelligence into solutions using AI Builder to enhance digitisation.</li><li>
Fix and resolve technical issues within the relevant applications.</li><li>
Stay updated with the latest features and capabilities of Power Platform and find opportunities to demonstrate them for process improvement.</li><li>
Participate in code reviews, documentation, and share expertise to ensure high-quality tasks.</li><li>
Continuously learn and explore coding languages (such as DAX, Html, Microsoft Power Fx, etc&hellip;) that can improve your understanding of the Power Platform environment.</li></ul></div><p></p>

Power Platform Developer

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