Ponce Bank
Brief Description
Responsible for ongoing quality assurance of lending and retail operations. Conduct quality reviews, identify process gaps, recommend improvements to enhance operational performance and regulatory adherence. Work closely with underwriting, loan servicing, retail banking, and compliance to maintain high‑quality service standards.
Responsibilities
Conduct quality assurance reviews on loan transactions and retail banking transactions to ensure adherence to internal policies and regulatory requirements.
Ensure compliance with federal and state regulations including BSA, AML, Patriot Act, EFT Act, Truth in Savings, Truth in Lending, ECA, FCRA, RESPA, HMDA, HMDA, Community Reinvestment Act, and other applicable regulations.
Perform monthly audits, resolve issues, communicate findings to team.
Review, manage, and facilitate remediation for all monitored processes.
Serve as primary point of contact for all internal and external audits.
Centralize and report audit findings to inform policy changes, training opportunities, and workflow enhancements.
Keep up to date on all policy and procedures.
Create auditing templates, scoring mechanisms, and reporting templates to identify, elevate, and act on audit findings.
Prepare monthly summary reports for various reviews conducted.
Trend data, as necessary, to identify areas for potential improvement.
Demonstrate collaborative leadership and cross‑department communication and coordination.
Responsible for communications with auditors and researching findings.
Perform other duties as assigned.
Ancillary Functions
Assure adherence to bank policies and procedures and federal and state regulatory requirements.
Provide cross‑functional support to other areas of the department and the bank where service or assistance is needed.
Perform tasks which are supportive in nature to the essential functions of the job, but may be altered or redesigned depending upon individual circumstances.
Mandatory Training Curricula Training required for all bank staff related to regulatory mandated compliance topics and courses required for specific job functions. Career enhancement training courses also available. Refer to course catalog and management for details.
Competencies Skills (refer to Competencies Library)
Clearly communicate in English.
Proficient reading, writing, grammar, and mathematics skills.
Proficient interpersonal relations and communicative skills.
Ability to interpret and comprehend banking regulations.
Excellent analytical and problem‑solving skills.
Attention to detail and accuracy in data management.
Integrity, discretion, and respect for confidential information.
Ability to handle multiple tasks simultaneously in a fast‑paced, diverse, and growth‑oriented environment.
Excellent customer service skills.
Exceptional organizational skills.
General understanding of commercial, construction, residential, and consumer loan terms and documents.
Computer literate; experience using all Microsoft Office applications.
Communicates with individuals in person and over the phone.
Physical Demands Job is mostly sedentary; may occasionally involve lifting files and other materials that weigh up to 20 lbs. Work in office environment during regular business hours. Expected to have consistently positive interactions with public.
Requirements
Bachelor’s degree preferred, or equivalent work experience.
2-3 years lending and retail operations preferred.
Knowledge of mortgage/commercial/servicing/lending compliance and regulations.
General understanding of commercial, construction, residential, and consumer loan terms and documents.
Audit, lending quality control, and compliance background a plus.
Integrity, discretion, and respect for confidential information.
Ability to handle multiple tasks simultaneously in a fast‑paced, diverse, and growth‑oriented environment.
Sound oral and written communication skills.
Interpersonal skills that invoke a team approach and cooperative attitude.
Excellent customer service skills.
Exceptional organizational skills.
Strong propensity for detail, accuracy, and confidentiality.
Ability to manage time with multiple/changing priorities.
Ability to compose effective and professional correspondence.
Computer literate; experience using all Microsoft Office applications.
Communicates with individuals in person and over the phone.
Salary Range $55,350 – $75,000
Ponce Bank participates in the E‑Verify program.
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Responsibilities
Conduct quality assurance reviews on loan transactions and retail banking transactions to ensure adherence to internal policies and regulatory requirements.
Ensure compliance with federal and state regulations including BSA, AML, Patriot Act, EFT Act, Truth in Savings, Truth in Lending, ECA, FCRA, RESPA, HMDA, HMDA, Community Reinvestment Act, and other applicable regulations.
Perform monthly audits, resolve issues, communicate findings to team.
Review, manage, and facilitate remediation for all monitored processes.
Serve as primary point of contact for all internal and external audits.
Centralize and report audit findings to inform policy changes, training opportunities, and workflow enhancements.
Keep up to date on all policy and procedures.
Create auditing templates, scoring mechanisms, and reporting templates to identify, elevate, and act on audit findings.
Prepare monthly summary reports for various reviews conducted.
Trend data, as necessary, to identify areas for potential improvement.
Demonstrate collaborative leadership and cross‑department communication and coordination.
Responsible for communications with auditors and researching findings.
Perform other duties as assigned.
Ancillary Functions
Assure adherence to bank policies and procedures and federal and state regulatory requirements.
Provide cross‑functional support to other areas of the department and the bank where service or assistance is needed.
Perform tasks which are supportive in nature to the essential functions of the job, but may be altered or redesigned depending upon individual circumstances.
Mandatory Training Curricula Training required for all bank staff related to regulatory mandated compliance topics and courses required for specific job functions. Career enhancement training courses also available. Refer to course catalog and management for details.
Competencies Skills (refer to Competencies Library)
Clearly communicate in English.
Proficient reading, writing, grammar, and mathematics skills.
Proficient interpersonal relations and communicative skills.
Ability to interpret and comprehend banking regulations.
Excellent analytical and problem‑solving skills.
Attention to detail and accuracy in data management.
Integrity, discretion, and respect for confidential information.
Ability to handle multiple tasks simultaneously in a fast‑paced, diverse, and growth‑oriented environment.
Excellent customer service skills.
Exceptional organizational skills.
General understanding of commercial, construction, residential, and consumer loan terms and documents.
Computer literate; experience using all Microsoft Office applications.
Communicates with individuals in person and over the phone.
Physical Demands Job is mostly sedentary; may occasionally involve lifting files and other materials that weigh up to 20 lbs. Work in office environment during regular business hours. Expected to have consistently positive interactions with public.
Requirements
Bachelor’s degree preferred, or equivalent work experience.
2-3 years lending and retail operations preferred.
Knowledge of mortgage/commercial/servicing/lending compliance and regulations.
General understanding of commercial, construction, residential, and consumer loan terms and documents.
Audit, lending quality control, and compliance background a plus.
Integrity, discretion, and respect for confidential information.
Ability to handle multiple tasks simultaneously in a fast‑paced, diverse, and growth‑oriented environment.
Sound oral and written communication skills.
Interpersonal skills that invoke a team approach and cooperative attitude.
Excellent customer service skills.
Exceptional organizational skills.
Strong propensity for detail, accuracy, and confidentiality.
Ability to manage time with multiple/changing priorities.
Ability to compose effective and professional correspondence.
Computer literate; experience using all Microsoft Office applications.
Communicates with individuals in person and over the phone.
Salary Range $55,350 – $75,000
Ponce Bank participates in the E‑Verify program.
#J-18808-Ljbffr