Lending Compliance Officer
Company: Westamerica Bank
Location: Fairfield
Posted on: January 12, 2021
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Job Description:
Westamerica is among the largest commercial banks headquartered
in California. We are looking for outstanding people to join our
winning team. We reached our current strength because our
employees, customers, and shareholders believe in the same
fundamental goals: Delivering a wide variety of financial services
with a superior customer service guarantee.Job Summary:Under
general managerial guidance: The Lending Compliance Officer is
responsible for supporting Westamerica's Compliance Management
System daily activities ensuring that bank activities comply at all
times with appropriate laws and regulations. Ensures that all
required lending-related compliance policies are in force and
reviewed periodically for adequateness. Directs and coordinates
procedural updates related to compliance issues, participates in
business line project and meetings to provide compliance support,
manages lending-related compliance issues and responds to
compliance inquiries. Reports compliance issues to the CRA &
Compliance Manager and Senior Management. Responsibilities:*
Research regulatory issues, respond to compliance questions, and
provide guidance to business units through the use of regulatory
reference materials, regulatory agencies, and profession
associations and organizations as appropriate. * Ensure assigned
business units are in compliance with applicable lending laws,
regulations, and rules, and have appropriate operating controls to
mitigate risk. Assist the business units with developing and
revising compliance-related practices, procedures and controls
where needed. * Maintain a strong working knowledge of all
lending-related regulatory compliance laws, regulations, regulatory
guidance, and industry best practices by reviewing industry
publications, receiving/attending compliance training, and
networking with professional advisors, experts and peers.*
Coordinate the lending aspects of the compliance management system
that ensures proper policies, procedures, risk mitigation
activities, and operating controls are followed. Identifies and
reports compliance issues and gaps in policies, procedures, and
operating controls to leadership to ensure risk is mitigated. Work
with business unit partners to resolve and track identified issues
to resolution. * Review product and service disclosures and
advertising materials for compliance with applicable rules. *
Assist with complaints as needed.* Participate in the oversight of
regulatory compliance audits and/or examinations. * Help to
develop, coordinate and facilitate training programs, sessions, and
seminars to educated business unit partners about compliance
requirements and procedures. Provide and/or assist with conducting
compliance training to managers and employees as needed. *
Participate as a member of the Regulatory Compliance Committee
(RCC) and is a member of the Consumer Complaint Committee (CCC). *
Facilitate and provide guidance during the compliance and Fair
Lending risk assessment process.* Provide other compliance
assistance as needed.Minimum Knowledge, Prior Work Experience, and
Skills Needed to Perform Job functions:* Has progressively more
responsible work experience in a financial institution
implementing, monitoring and coordinating compliance activities. *
Bachelor's Degree required. * Additional education in financial
services regulations or CRCM certification preferred.* Excellent
oral, technical, writing, training, interpersonal, analytical,
organizational, leadership and presentation skills required.
Physical Demands:* Travel to CRA outreach events, training seminars
and between the Corporate office and bank branches. * Extended
periods of telephone use. * Moderate PC work. * Ability to lift up
to 25 pounds.Intellectual Demands:* Read, interpret, analyze laws
and regulations that apply to the designated line of business
lending products, and other areas including, but not limited to,
Regulations B, C, G, P, V, Z, X, BB, and the E-Sign Act, Fair
Lending, California Consumer Privacy Act, or the Fair Debt
Collections Practices Act.* Prioritize assignments, ensure
resolution of issues within appropriate time-frame to minimize
compliance-related risks.* Combine knowledge and judgment to
identify solutions to complex compliance issues.*
Equipment/Software used to Perform Functions:* PC, calculator,
telephone, scanner, copier, printer, Microsoft OfficeDecision
Making:* Identify most appropriate means to ensure revisions are
made to documents affected by regulatory changes, employees are
trained appropriately on compliance issues, and the CRA &
Compliance Manager is well-informed about the status of CRA and
compliance.* Determine which projects will be delegated.* Select
personnel to participate in various projects.Direct Impact:* Having
a successful compliance program is key to Westamerica's strategic
plan regarding acquisitions. Growth through acquisitions is a
principal means for Westamerica to increase its value and earning
in the future. Being successful in compliance will help ensure
successful acquisition efforts. * Direct cost savings for legal and
consulting fees.Contacts:* Internal: Regulatory consults and
provides support and coordination to bank personnel on compliance
issues.* Regulatory advising to CRA & Compliance Manger and Senior
Management on compliance issues.* External: Periodic contact with
examiners of state and federal bank regulatory agencies; manages
regulatory examinations. * Periodic contact with consultants,
manages regulatory consumer compliance audits.* Maintains
networking communications with compliance professionals to remain
current on developing trends within the profession.EOEWestamerica
Bank's Privacy Policy may be found at:
www.westamerica.com/about/privacy
Keywords: Westamerica Bank, Fairfield , Lending Compliance Officer, Other , Fairfield, California
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