ABOUT US
Coastal Community Bank is a little bit of banking and a little bit of tech-ing. The people at Coastal don't just help people with their banking; they help reshape how banking technology allows and serves EVERYONE. We think and work like entrepreneurs, always moving and constantly improving. We care about each other, are go-getters, work hard, and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together -- you belong here.
WHAT YOU’LL DO AT COASTAL
Support CCBX by providing oversight of Fintech Partners with an emphasis on lending products. The Loan Compliance Data Analyst will conduct testing and monitoring as required. Areas of oversight to be defined based on Partner scope including but not limited to product applicable regulations, terms and conditions, and other compliance areas.
HOW YOU’LL DO IT
· Conduct a full analysis of partner product offerings, including review of partner website and policies and procedures as required for loan testing and monitoring.
· Review partner data reports to ensure data points required for testing are included.
· Report any data deficiencies to Management upon discovery.
· Perform partner loan testing as outlined in the CCBX Oversight Testing Schedule.
· Identify errors during testing and report to Management in a timely manner.
· Perform a full review and analysis of partner data in conjunction with partner credit policies and adherence to underwriting guidelines to identify potential exceptions.
· Report exceptions discovered during testing to Management in a timely manner.
· Review Loan reports for trends, anomalies, deficiencies, and potential risk exposure.
· Provide Management with a summary report of testing performed outlining any errors or exceptions.
· Report any program deficiencies to Management.
· Follow and comply with all regulatory and compliance regulations.
· Provide customer service in accordance with Coastal’s Core Values.
· Because we are a rapidly changing organization, there will be other duties as assigned.
WHAT YOU’LL BRING:
QUALIFICATIONS
· Knowledge and understanding of Fintech with a strong technical background.
· Strong analytical skills required with the ability to dissect data using multiple data points to identify potential exceptions.
· Ability to effectively present information and respond to questions from management, affected departments and our Strategic Partners.
· Excellent analytical skills required.
· Ability to prioritize workload to ensure deadlines are met.
· Ability to interpret and analyze data from various sources and formats.
· Required to handle multiple tasks at the same time.
· Must have a high degree of accuracy and attention to detail.
EDUCATION & EXPERIENCE
· Bachelor’s degree or equivalent related experience with 3-5 years banking and/or lending experience preferred.
· Knowledge and understanding of Consumer Regulations with an emphasis on Loan Regulations, including but not limited to, Reg B, Reg F, Reg G, Reg O, Reg V, Reg X, Reg Z, Flood, MLA, SCRA.
· Strong compliance background required.
· Knowledge and understanding of Fintech with a strong technical background.
· Proficient experience with personal computers and Windows based software including MS Office products and advanced skills in Excel.
· Strong research skills using various resources including partner core systems and the internet.
HOW YOU’LL THRIVE AT COASTAL
Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.
Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.
Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.
Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.
Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.
Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.
BEING YOU AT COASTAL
Coastal is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. We are also committed to compliance with all fair employment practices.
PHYSICAL DEMANDS
The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee must:
· have the ability to sit for extended periods of time
· have the ability to stand for extended periods of time
· have the ability to perform repetitive finger, hand, and arm movement
· have the ability to use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.
· view and read computer screen for extended periods
· occasionally stoop, kneel, crouch, or crawl
· occasionally lift or move up to 10 pounds
OTHER DUTIES
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
