12 days old

Consumer Quality Control Analyst

S&T Bank
Indiana, PA 15701
  • Job Code
    CONSB02779-00001



Work Days and Expected Hours:



Monday-Friday: 8:00 AM to 5:00 PM



(Additional hours as necessary to meet the objectives of the department).



Function: Responsible for ensuring quality control of the operation, audit and compliance risk of the Consumer and Business Banking Lending Division functions; requires an advanced knowledge of lending, applicable banking laws, federal and state regulations, Bank policies, & lending platforms.



Duties and Responsibilities:



  • Responsible for the efficient and effectiveness of the operations within the Consumer and Business Banking Lending Division from a quality control aspect by:
    • Performing pre-audit reviews on loan applications / modifications through a data field validation process to ensure data integrity is maintained for commercial loan documents.

    • Working with Consumer and Business Banking Lending Personnel, Bankers and Consumer and Commercial Loan Documentation Personnel on reprocessing loan applications / modifications for various reasons and tracking, requesting & processing relevant information required by underwriting standards in accordance with the Banks retention policy.

    • Conducting SOX testing to ensure the effectiveness of the internal controls.

    • Ensuring data integrity of the Business Banking Loan Portfolio by reviewing routine reports to identify and resolve system maintenance issues, tracking and validating system maintenance requests, and participating in on-going loan portfolio management projects.
  • Ensures quality control of the Consumer and Business Banking loan applications/modifications process for Compliance related items by conducting pre-audit reviews for Underwriting and Doc Prep by:
    • On-going HMDA, Reg. B (Joint Intent to Apply), CIP, CDD monitoring for procedure effectiveness and training recommendations.

    • On-going Flood Insurance monitoring for procedure effectiveness and training recommendations.

    • Producing Compliance Documentation for Consumer and Business Banking loan applications that have been withdraw & declined and on-going monitoring of loan applications not to exceed set timeframes for withdraws to adhere with Compliance guidelines.

    • Generating Appraisal Disclosures (Reg. B) for Business Banking loan applications when applicable.

    • Working with the Compliance Department to ensure all applicable regulatory updates are being implemented to the Consumer and Business Banking Lending operations.

  • Works closely with the CLD QC/Expediter Supervisor, Business Banking and Consumer Lending Management by:
    • Ensuring consistent quality control of all business banking loan applications / modifications.

    • Reporting all quality control errors, findings and recommending ideas and actions to improve operations.

    • Preparing reporting and follow up information on all the quality control components of the Consumer and Business Banking Lending operations.

  • Obtains and sustains proficiency in the Consumer and Business Banking Lending Division Origination & Portfolio Management software, Microsoft Office Suite (Word, Excel, Access, PowerPoint, & Outlook), Internet searches, Core Operating System (FIS), imaging system along with the upgrades to these programs or replacement software and any other conduit available to process all applications as well as prepare required documentation.

  • Acquires and maintains a thorough knowledge of all applicable laws / regulations and the Banks Corporate & Lending Policies / Underwriting Manuals to ensure compliance.

  • Advances knowledge through further education and/or obtaining certifications and attends training on regulatory, platforms and audit issue or concerns.

  • Assists in the development and maintenance (including updates) of the Quality Control and Expediting Processing manual to be used as both a training and reference manual.

  • Works closely with the CLD QC/Expediter Supervisor to ensure all applicable procedures and compliance matters are current and assist on an as-needed basis.

  • Maintains a positive and productive working relationship with all co-workers, vendors and bank customers. And demonstrates positive interpersonal skills with the ability to work independently as well as motivated to work as a team player to contribute to the success of the department and the Bank.

  • Performs additional job duties as needed.



Physical Demands



Operates a keypad device, electronic equipment, office equipment: 90% of the day. The primary parts of the body involved in performing these tasks are the fingers, thumb, hands, wrists, elbows, legs, lower and upper torso and feet. The job requires sitting 6 hours per day in a straight and leaning position. Walking is required one hour per day which is slow in speed. Requires the use of manual dexterity skills for typing and filing up to 60% of the business day. Specific vision requirements include close vision of 18-20 for computer work. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.





Experience


Required

  • 2 - 5 years: Requires two to five years of general business experience with specialized experience and advanced knowledge in lending, loan documentation, applicable related laws and regulations, including policies, procedures, lending platform, and compliance.

Education


Required

  • High School or better in Academic/General or related field

Skills


Required

  • Excellent written communication

  • Excellent verbal communication

  • Ability to work independently

  • Ability to work in a fast-paced environment

Behaviors


Required

  • Thought Provoking: Capable of making others think deeply on a subject

  • Team Player: Works well as a member of a group

  • Loyal: Shows firm and constant support to a cause

  • Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well

  • Dedicated: Devoted to a task or purpose with loyalty or integrity

Motivations


Required

  • Growth Opportunities: Inspired to perform well by the chance to take on more responsibility

  • Work-Life Balance: Inspired to perform well by having ample time to pursue work and interests outside of work

  • Goal Completion: Inspired to perform well by the completion of tasks

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities



The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractors legal duty to furnish information. 41 CFR 60-1.35(c)



See job description





Posted: 2020-01-08 Expires: 2020-02-06
Sponsored by:
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Sponsored by:
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Consumer Quality Control Analyst

S&T Bank
Indiana, PA 15701

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