Senior Fair and Responsible Banking Analyst

Who we are:

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision and Convictions statement, Cornerstone operates 17 full-service banking locations across major Texas markets and more than 150 mortgage offices nationwide.  The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace. 

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history.

We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Who we are looking for:

We are seeking a detail-oriented, analytical, and proactive Senior Fair and Responsible Banking (FaRB) Analyst to support the organization's Fair Lending, Fair Servicing, and UDAAP compliance programs. This role is responsible for performing data analysis, marketing reviews, monitoring activities, transaction testing, supporting risk assessments, and performing research to help ensure compliance with applicable consumer protection laws and regulations. The ideal candidate will possess strong
analytical capabilities, experience in mortgage and consumer lending operations, and can effectively communicate findings and recommendations to stakeholders across the organization.

The FaRB Analyst will partner with business units, compliance teams, and management to provide independent oversight, challenge, and advisory support to business lines for FaRB-related activities. This role is well-suited for a detail-oriented experienced fair banking professional who wants to support a culture of responsible banking and regulatory compliance.

 What you’ll do:

• Generate market penetration analyses, activity-to-goals dashboards, executive summaries, and related management reporting.
• Conduct Reasonably Expected Market Area (REMA) reviews and perform market research for REMAs.
• Design statistical analysis models, execute and analyze statistical analyses and matched-pair testing from a fair lending perspective.
• Research and review operational processes to evaluate associated UDAAP risk and recommend appropriate controls or enhancements.
• Perform transaction testing to verify first-line adherence to established policies, procedures, and business practices.
• Conduct transaction-level validation testing as needed to validate findings, controls, and corrective actions.Review and approve marketing materials from a Fair and Responsible Banking (FaRB) perspective to ensure compliance with applicable regulations and internal standards.
• Coordinate and facilitate UDAAP and Fair Lending risk assessment questionnaires with business partners and stakeholders.
• Analyze lending, servicing, and operational data to identify trends, anomalies, and potential compliance risks.
• Author analytics and testing reports, documenting methodology, findings, conclusions, and recommendations in a clear and concise manner.
• Assist with regulatory examinations, audits, and internal reviews by providing supporting documentation and analysis.
• Perform special projects, investigations, and ad hoc analyses related to Fair and Responsible Banking initiatives.

What you’ll need to be successful: 

Success in this job relies on your time management skills, organization, and positive attitude.  In addition, you’ll need the following qualifications:

• Strong proficiency with fair lending analytics and software for mortgage lending, consumer lending, and loan servicing; experience using RiskExec preferred.
• Strong proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.
• Knowledge of Fair Lending, HMDA, ECOA, FHA, CRA, UDAAP, and related consumer protection regulations.
• Experience in data analysis, statistical testing methodologies, and compliance monitoring programs.
• Consistently demonstrates clear, concise, and effective written and verbal communication.
• Ability to quickly grasp and master new concepts, regulatory requirements, and related product and functional knowledge.
• Ability to work under pressure and manage tight deadlines or unexpected changes in expectations or requirements.
• Track record of providing credible challenge, asking in-depth questions, and seeking answers.
• Strong analytical and problem-solving skills.
• Strong computer and organizational skills.
• Ability to work independently while collaborating effectively with a multi-level team.
• Inquisitive mindset and strong desire to learn and continuously improve.
• Consistently demonstrates attention to detail, data quality, and documentation.
• Strong organizational, project management, and time management skills.
• Ability to synthesize complex data and regulatory requirements into actionable business insights.
• Ability to interpret regulations and compare requirements to existing processes.
• Knowledge of federally recognized examination procedures to evaluate compliance with applicable federal and state laws and regulations.
• Broad knowledge and understanding of all facets of banking.

• This position requires 5+ years of experience in mortgage lending, especially in pricing and decisioning, fair lending analytics, and/or UDAAP compliance.
• Experience supporting Fair Lending, UDAAP, Compliance, Risk Management, Internal Audit, or Regulatory Affairs functions.
• Experience developing dashboards, executive-level reporting, and management presentations.
• Experience with statistical analysis techniques, matched-pair testing, market analysis, and risk
assessments.

What we offer: 

Because we recognize and reward hard work, we offer a competitive salary, Medical, Dental, Vision, Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K, Basic Life, Voluntary Life, and Paid Parental Leave benefits, as well as the opportunity for a performance based bonus based on position and department.

What to do next: If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're part of our Cornerstone family, we'll continue to invest in you as a valuable asset in our company. As many of our team members can tell you, there's something special about working at Cornerstone.