Lending Analyst Resume Sample
Alison Kreiger
1162 Khalid Branch,
Chicago,
IL
+1 (555) 148 1526
Work Experience
Senior Fair Lending Analyst
02/2016
-
PRESENT
Houston, TX
- Working knowledge of Pc applications( Excel, Access and Word)
- With direction, contribute to the attainment of business results
- Prepare all relevant pre and post customer documentation, collation /analysis of financial/non-financial information and coordination of products/solutions which suit customer needs
- Designs and completes statistical regression and analyses to monitor risk in pricing, redlining, underwriting, and other areas in compliance with the Bank’s Fair Lending Policy and fair lending laws and regulations
- “LIVE” the Bank’s Mission Statement and “PRACTICE” the Bank’s Corporate Strategy
- Imports CRA and HMDA data into CRAWiz and maintains the accuracy of data recorded on the Bank’s CRA Loan Register and HMDA Loan/Application Register
- Maintains the Bank’s CRA Public File
- Products & Systems – Has a working knowledge of systems and products applicable to the department’s responsibility, including CRA/Fair Lending WIZ
- Interpersonal – Ability to work with others within the department as well as across other departments. Ability to handle conflict resolution in a professional manner. Ability to present at Committee and Board meetings
Specialized Lending Analyst
09/2012
-
11/2015
Los Angeles, CA
- Staying current of the regulatory environment and expectations through discussions with peers, seminars, webinars, roundtables presented by regulatory agencies, law firms, bankers associations, etc.
- Follow up with Relationship Managers (RMs) once notified of an upcoming new deal or amendment via an Agent Bank’s document sharing platform, i. e. Intralinks, SyndTrak, etc
- Review loan documents according to Commercial Loan Application to guarantee completeness of information, fees and additionally required due diligence documentation are obtained and proper legal compliance requirements have been followed to secure the bank’s interest
- Identify relevant sources of data to perform fair lending analysis of Indirect Lending loans and validate accuracy of data collected. Address any noted deficiencies in lending data with 3rd party dealers in coordination with Indirect Lending management, sales & support staff
- Perform fair lending analysis reports of Indirect Lending loans
- Provide subject matter expertise and support to management and staff to ensure a consistent approach to Fair Lending
- Maintain a proficient knowledge of Fair Lending and UDAAP laws, banking rules and regulations and their impact on the banks operations and services
- Perform reviews of policies, procedures to ensure Fair Lending Laws and Regulations are addressed
Lending Analyst
04/2010
-
04/2012
Houston, TX
- Maintain and update departmental Fair Lending procedures on Indirect Lending Loans
- Commitment to anti-discriminatory practices
- Familiarity with consumer lending. mortgage lending and small business underwriting standards
- Discretion and a demonstrated ability to work with highly sensitive and confidential information
- Meet audit schedule deadlines
- Excellent interpersonal skills with the ability to develop working relations with the business units supported and work collaboratively with people at all levels of the organization
- Desired Skills and Competencies: (Optional)
Education
Western International University
2004 - 2009
Bachelor's Degree in Finance
Professional Skills
- Thorough knowledge of the Bank’s products, processes, and services, including a thorough understanding of the competitive environment and industry standards
- Experience working with CRA and Fair Lending Wiz (or similar software) or strong technical skills to learn quickly
- Prior work experience in Auto and/or Financial services industry is required
- Prior consumer compliance or loan documentation experience, preferably in a financial institution
- Excel and Access skills required & other tools such as SAS
- Experience in a financial institution, auditing firm, or consulting firm in a compliance related role
- Strong knowledge of Fair Lending requirements
How to write Lending Analyst Resume
Lending Analyst role is responsible for lending, training, software, word, excel, mortgage, retail, finance, credit, database.
To write great resume for lending analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Lending Analyst Resume
The section contact information is important in your lending analyst resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Lending Analyst Resume
The section work experience is an essential part of your lending analyst resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous lending analyst responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular lending analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Lending Analyst resume experience can include:
- Review marketing materials and other external-facing communications for potential compliance issues. Monitor complaints and analyze complaint data for trends to assess potential fair lending risk. Prepare for regulatory exams, internal audits and Compliance testing events
- Collaborate with the Compliance Partners and business units to report results of fair lending testing, and implement control enhancements if necessary. Also assist Compliance Partners by reviewing fair lending policies, procedures and training materials, for business units
- Assist in conducting the Fair Lending Risk Assessment, including evaluation of inherent risk as well as the sufficiency of business unit controls to detect and prevent fair lending risk
- As a subject matter expert, provide guidance to business units on the Fair Lending-related regulations by keeping abreast of developing trends and changes in regulations relating to Fair Lending, including: CRA, HMDA, ECOA, FHA, and other regulations as applicable
- Provide results of fair lending testing, implement control enhancements as necessary, and review fair lending policies, procedures and training materials
- Create models to perform Fair Lending analysis, monitoring and testing
Education on a Lending Analyst Resume
Make sure to make education a priority on your lending analyst resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your lending analyst experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Lending Analyst Resume
When listing skills on your lending analyst resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical lending analyst skills:
- Experience as a Lending Analyst and/or similar type role assisting the Underwriting department
- Experience in retail or lending with exposure to applicable regulations
- 2-4years’ experience in retail or lending with exposure to applicable regulations
- Sitting, standing for extended periods of time
- Support Movement Mortgage’s existing Fair Lending infrastructure by providing detailed analytics and reporting and making policy recommendations
- Monitor the compliance with fair lending laws by employing Fair Lending software to evaluate lending activities and identify risks
List of Typical Skills For a Lending Analyst Resume
1
Skills For Specialized Lending Analyst Resume
- Work with and provide support to the retail lending Pricing Desk as needed
- Provide back up as required to support the Pricing Manager when absent
- Proficient computer knowledge and ability to work with multiple applications
- Proficient Microsoft Excel and Word knowledge as well as database applications
- Revenue – Understanding of customer segments and identification of cross sale opportunities eg wealth, insurance, FX, Hedging etc across the Private Bank portfolio to support the achievement of revenue targets
- Client Advocacy – Joint meetings with Bankers, Clients and their advisors as required, with focus on building advocacy through high level service experiences and targeted promotion of product offerings
2
Skills For Senior Fair Lending Analyst Resume
- Credit Analysis Quality – Clearly articulated commercial, business and consumer transactions, financial analysis, customised deal structuring, market research, risk identification and mitigation
- Provide support to Pricing Manager to complete various project activities
- Understand risks inherent in lending products and take appropriate actions, including accuracy and safeguarding of all documentation, and any other requirements to ensure operational integrity is maintained within the business
- Understand regulatory and compliance requirements as prescribed for the Corporate Finance line of business and provide recommendations and implement actions to ensure adherence as required
- Protect the Bank’s assets by adhering to all lending regulations, Policies and Procedures legal and ethical requirements, process requirements, and established risk guidelines
3
Skills For CRA & Fair Lending Analyst Resume
- Strictly maintain the confidentiality of both customer and Bank information to protect the customer and the Bank and to ensure compliance with Bank Policies & Procedures
- Manage risk and minimize losses through monitoring and controlling various reports and taking appropriate action ensuring compliance requirements, audits and verifications are completed in accordance with Bank Policies & Procedures
- Work with compliance leadership to monitor changes in industry standard Fair Lending Reporting requirement and best practices
- Monitor fair lending-related complaints and analyze complaint data for trends to assess potential fair lending risk
- Partner with operational and business units to provide backing and safeguard compliance with fair lending rules
- Fair Housing Act (FHAct)
- Evaluation of inherent risk as well as the sufficiency of business unit controls to detect and prevent fair lending risk
- Assist in preparing for regulatory exams and internal audits
- Knowledge of business documentation including but not limited to sole proprietorships, corporations, partnerships and limited liability corporations
4
Skills For Fair Lending Analyst Resume
- Equal Credit Opportunity Act (ECOA)
- Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) Act
- Conduct file reviews to monitor potential unfair treatment
- And other applicable laws and regulations.Job DescriptionCrucial Job
- Research and analyze PPSA/RDPRM filings in all Canadian provinces including Quebec, where applicable and Hypothec filings in Quebec to determine collateral positioning of all filers and its effect on account risk
- Conduction monthly fair lending reviews by reviewing pricing expectations, code match credit history and account profiles
5
Skills For Consumer Lending Analyst Resume
- Knowledge of consumer protection laws and regulations impacting financial institutions
- Knowledge of mortgage rules, specifically HMDA, CRA, ECOA, UDAAP and Fair Lending
- Familiarity with retail & lease programs, originations, credit buying
- Assess quality, quantify accuracy and articulate results
- Manage and provide compliance related oversight to multiple business lines
6
Skills For Lending Analyst, Asset Based Lending Resume
- Quarterly Quality assurance; Review of Lease deferrals and Retail extensions against operations procedures
- Ad hoc quantitative analysis
- Consumer response support; Analysis of complaint trends and back up consumer response analyst
- CFPB (Consumer Financial Protection Bureau) Consent order review and support the CFPB data request
- Adhere to appropriate Compliance policies and procedures
7
Skills For Asset Based Lending Analyst Resume
- Knowledge of loan origination systems
- Interact with Associates at all levels
- Familiarity with loan systems
- Training:Assists in determining the bank’s annual fair lending coordinates program revisions with Corporate Training as necessary, and assists with training delivery as needed
- Fair Lending Risk Assessment (FLRA):Assists the Fair Lending Risk Assessment Coordinator by contributing analytic results, context about the bank’s fair lending policies, practices, internal controls and other risk factors to support the periodic FLRA process
8
Skills For Credit Risk Lending Analyst Resume
- Strong knowledge of fair lending laws and regulations, as well as bank policies, practices, and operations
- Good verbal and written communication skills with the ability to communicate effectively with all levels of management and demonstrated ability to provide written reports that accurately and clearly summarize issues and present solutions in an understandable and logical manner
- Quantitative skills required
- Five (+) years of progressive related experience – preference in Fair Lending and/or conducting analyses
- Occasional bending, lifting
- Proficiency in Microsoft Office and other utility applications
- Commercial Value – Providing effective support to Bankers (pre and post transaction), coaching and mentoring of Assistant Private Bankers, representation to Credit Managers, management of periodic risk reviews and subsequent workflows and creating an open and friendly environment whereby others are encouraged to seek your advice and learn from your expertise
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